Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to make a formal statement that I am the victim of identity theft. Accounts have been fraudulently opened and/or accessed using my personal information without my knowledge, authorization, or consent. I have never initiated nor approved any of the accounts or activity in question, and I demand that these fraudulent entries be investigated and permanently removed from my credit reports. I have taken the appropriate legal and federal steps to report this crime : I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report XXXX XXXX XXXX XXXXXXXX ] ) that includes fraudulent accounts, and more information. 
I have filed a Police Report with my local law enforcement agency ( Police Report XXXX XXXX XXXX XXXXXXXX ] ). 
In addition, I have submitted written disputes to Experian, Equifax, and TransUnion, requesting a method of verification on the fraudulent accounts. Despite my efforts, none of the bureaus have provided a valid or sufficient response in accordance with the Fair Credit Reporting Act ( FCRA ). 
Further, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), once identity theft is documented with a police report and an FTC affidavit , the credit reporting agencies are required by law to delete the fraudulent information from appearing in my file within four business days. This law exists to protect victims from continued harmand my rights under this statute have been ignored. This has caused serious damage to my credit profile, emotional distress, and interference with my financial stability. I demand that all accounts and inquiries resulting from this identity theft be permanently removed, and that all furnishers reporting these items cease immediately.

If the information is not or removed promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursue legal remedies as permitted under federal and state law.

Please confirm in writing that the disputed items have been removed and provide me with updated copies of my credit reports. I am enclosing/attaching the following documents as evidence : FTC Identity Theft Report Police Report Government-issued ID & social security card Proof of residency ( XXXX XXXX XXXX  XXXX XXXX XXXX ) Accounts listed below are a direct result from identity theft and should be lawfully, and rightfully removed from my credit report within four business days. 
XXXX XXXX Account Number : XXXX XXXX Main Account Number : XXXX XXXX Bank Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX

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