Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX XXXX  Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$1200.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$2400.00} Opened : XX/XX/XXXX CXXXX XXXX XXXX Account Number : XXXX Type : Collection Balance : {$460.00} Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Type : Debt Buyer Collection Account Balance : {$1400.00} Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Type : Collection Balance : {$1800.00} Opened : XX/XX/XXXX Hard Inquiries ( Unauthorized ) : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) These accounts and inquiries are not mine, and I have not given anyone permission to open or use these accounts on my behalf. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA 611 ( 15 U.S.C. 1681i ), I am also formally requesting debt verification for all disputed accounts. You are required to provide documented proof such as a signed agreement showing I authorized these accounts. If such verification can not be produced, the accounts must be permanently deleted from my credit file. 

Compensation for False Verification : As outlined in FCRA 616 ( 15 U.S.C. 1681n ), if any of these items are falsely verified as valid despite my claim of identity theft, I reserve the right to seek statutory damages of {$1000.00} per violation. 

Supporting Documentation ( attached ) : Police report or FTC Identity Theft Affidavit Government-issued photo ID Proof of current address ( utility bill, lease, or bank statement ) Requested Actions : Immediate blocking and removal of all fraudulent accounts and inquiries Full debt verification documentation for all disputed accounts Written confirmation that all fraudulent items have been removed Notification to furnishers instructing them to cease reporting unverifiable data An updated copy of my credit report reflecting all corrections I expect a written response confirming that this request has been completed in accordance with the FCRA. Failure to comply may result in additional legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation