Consumer complaint received 2025-08-14 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 sworn statement to formally report that I am a victim of identity theft. My personal identifying information has been used by an unauthorized XXXX  party ( or parties ) to fraudulently open and use multiple credit accounts without my consent or knowledge. These unauthorized accounts have been wrongfully reported to Experian, and they are damaging my credit history, financial standing, and reputation. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 605B ( 15 U.S.C. 1681c-2 ), 611 ( 15 U.S.C. 1681i ), and 616 ( 15 U.S.C. 1681n ), and I am formally demanding that these fraudulent accounts be investigated, verified, and permanently removed from my credit report without delay. 

I have never applied for, opened, used, or authorized the use of the accounts listed in this dispute. I have never provided my consent, whether orally, in writing, or electronically, for any credit applications, loans, or lines of credit related to these accounts. The presence of these entries constitutes a serious violation of my consumer rights, as well as a failure in the duty of care by the data furnishers and the credit reporting agency. 

XXXX. DETAILED LIST OF FRAUDULENT ACCOUNTS Below, I have provided the details of each account as it appears on my Experian credit report. I am disputing each of these entries in their entirety. 

XXXX. XXXX XXXXXXXX XXXX XXXX Credit Card Account Type : Charge Card Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$2100.00} written off ; {$2100.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX I have never opened or used any charge card with XXXX, XXXX XXXX, or XXXX. I have no relationship with these companies. I have never shopped at XXXX under any financing agreement, nor have I authorized any person or entity to open a charge card in my name. The presence of this account is a direct result of fraudulent use of my personal information. 

XXXX. XXXX XXXX Credit Card ( Opened XX/XX/XXXX ) Account Type : Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$4100.00} written off ; {$3600.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Credit Limit : {$3300.00} I have never applied for or been issued a Capital XXXX credit card on or around this date. I have no knowledge of this account, its transactions, or any balance associated with it. The debt reflected here is not mine and must be deleted. 

XXXX. XXXX XXXX Credit Card ( Opened XX/XX/XXXX ) Account Type : Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX Status : XXXX through XXXX XXXX XXXX ( XX/XX/XXXX ) Credit Limit : {$580.00} I have never opened this account and have never filed for or been associated with a XXXX  proceeding involving XXXX  XXXX. Associating my name with a bankruptcy discharge that never occurred is damaging and false. 

XXXX. XXXX XXXX Credit Card ( Opened XX/XX/XXXX ) Account Type : Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX Status : XXXX through XXXX XXXX XXXX ( XX/XX/XXXX ) Credit Limit : {$500.00} I have never opened or authorized this account. The bankruptcy reference is wholly inaccurate and must be removed. 

XXXX. XXXX XXXX XXXX Account Type : Auto Loan Account Number : XXXX Date Opened : XX/XX/XXXX Status : XXXX through XXXX XXXX  XXXX / Never Late ( XX/XX/XXXX ) Original Balance : {$22000.00} I have never financed a vehicle through XXXX XXXX XXXX. This is a fraudulent auto loan account and should not be linked to my credit history. 

XXXX. XXXX  XXXX Account Type : Unsecured Loan Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$460.00} written off ; {$460.00} past due as of XX/XX/XXXX Original Balance : {$900.00} Status Updated : XX/XX/XXXX I have never used XXXX XXXX for any financing arrangement. This account is fraudulent and must be deleted. 

XXXX. XXXX XXXX XXXX Account Type : Unsecured Loan Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$5100.00} written off Original Balance : {$6000.00} Status Updated : XX/XX/XXXX I have never applied for or accepted any loan from XXXX XXXX XXXX. I did not authorize this account, and I dispute it in its entirety. 

XXXX. LEGAL RIGHTS AND REQUESTS UNDER THE FCRA Pursuant to my rights as a consumer : XXXX. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) You are required to block and remove any information from my credit file that results from identity theft within XXXX business days of receiving : Proof of my identity ; An identity theft report ( police report and/or FTC affidavit ) ; Identification of the specific fraudulent information ; A sworn statement that the information is the result of identity theft. 

XXXX. Under FCRA 611 ( 15 U.S.C. 1681i ) You are required to conduct a reasonable reinvestigation of my disputes within 30 days. If you can not verify the accuracy of the disputed accounts with documented proof, you must delete them. Verification requires more than a cursory database check ; it requires actual documentation such as a signed application bearing my authentic signature. 

XXXX. Under FCRA 616 ( 15 U.S.C. 1681n ) If you willfully fail to comply with these provisions, you may be held liable for statutory damages of {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. 

IV. FORMAL ACTIONS REQUESTED I demand the following : Immediate blocking and deletion of all fraudulent accounts listed in Section XXXX from my Experian credit report. 

Complete debt verification for each account including signed contracts, applications, and any identification used to open the accounts. 

Notification to furnishers to stop reporting these accounts to all credit bureaus. 

Written confirmation that these items have been deleted. 

Updated copy of my credit report showing these deletions. 

V. SUPPORTING EVIDENCE I am providing : Copy of my government-issued photo ID. 

Proof of my current address ( utility bill ). 

FTC Identity Theft Affidavit and/or police report. 

Screenshots of the disputed entries from my Experian report. 

VI. CLOSING STATEMENT I did not open, authorize, or use any of the accounts listed in this dispute. These are clear cases of identity theft and must be removed in compliance with the FCRA. My request is lawful, documented, and backed by proof. Failure to act will result in my pursuing all legal remedies available to me under federal and state law. 

I expect a written confirmation of deletion within the statutory timelines.

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