Consumer complaint received 2025-07-24 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 direct result of identity theft : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured Loan Date Opened : XX/XX/2025 Status : Open ( Balance {$38000.00} as of XX/XX/2025 ) Monthly Payment : {$1000.00} Terms : 60 Months Responsibility : Individual Reporting Bureau : Experian This account was not opened by me. I did not authorize or initiate any application with XXXX XXXX XXXX, and I have never interacted with or received any funds or services from this lender. The account was fraudulently created using my stolen personal information including my name and Social Security number without my knowledge or consent. I first became aware of this account after reviewing my credit report. I immediately recognized it as fraudulent due to the amount, the date it was opened, and the fact that I had no knowledge or engagement with the company. This account has significantly impacted my credit and caused unnecessary financial and emotional distress.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that the credit reporting agencies immediately block and delete this XXXX XXXX XXXX account from my credit file. This account is not mine, was opened through fraudulent means, and its continued presence on my credit report violates my rights as a consumer and victim of identity theft.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for this disputed account. The burden of proof is on the credit bureaus and the furnisher ( in this case, XXXX XXXX XXXX ) to provide legally valid documentation showing that I authorized this account including, but not limited to, a signed contract or agreement. If such documentation can not be provided, the account must be permanently removed from my report without delay.

Compensation for False Verification : Should any credit bureau or furnisher falsely verify the accuracy of this account in the absence of valid proof, I reserve my right to seek damages under FCRA 616 ( 15 U.S.C. 1681n ). This provision entitles me to statutory damages of {$1000.00} per violation, in addition to punitive damages and attorneys fees where applicable. I expect all parties involved to conduct a good faith investigation into this matter and to comply with their legal obligations under federal law.

Supporting Documentation : I have attached the following documents in support of this identity theft claim : A copy of my identity theft report ( police report and/or FTC Identity Theft Affidavit ) A copy of
my government-issued ID A recent utility bill or bank statement as proof of my current address A screenshot/PDF copy of the fraudulent XXXX  XXXX XXXX account from my credit report ( Experian ) These documents clearly establish that I am the true consumer and that I did not open or authorize the account in question. I am willing to cooperate with any further verification efforts and can provide additional evidence as needed.

Requested Actions : I respectfully request that the following actions be taken immediately : Immediate blocking and permanent deletion of the XXXX XXXX XXXX account from my credit report.

Full debt verification by the credit bureau and the furnisher to establish whether this account is valid and authorized.

Written confirmation that this fraudulent account has been permanently deleted and will not be reinserted into my credit file.

Proof that XXXX XXXX XXXX has been notified and instructed to stop reporting any unverifiable or fraudulent information.

An updated copy of my credit report showing the corrected and accurate information.

These steps are not only legally required under the FCRA, but they are also essential to protecting my financial integrity and restoring my credit profile. I trust that this matter will be handled with the urgency it deserves.

Final Note : I expect a written confirmation that my request has been fully investigated and resolved in accordance with federal law. Please note that if the disputed information is not removed or verified properly, I reserve the right to escalate the issue through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.

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