Consumer complaint received 2025-04-16 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 inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and permanently removed. 

Details of the Dispute : I am disputing the following hard inquiries that appear on my Experian credit report. These inquiries were not made by me, nor did I give permission to any third party to access my credit file or open any accounts on my behalf. 

The unauthorized inquiries include : XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX These inquiries are not mine, and I have not communicated with or applied for credit with any of the companies listed. I believe they are the result of identity theft, and I request that they be handled accordingly. 

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 block and delete these fraudulent items from my report without delay.

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for all disputed entries. If the furnishers can not provide legal proof such as a signed credit application or agreement with my signature these inquiries must be removed in accordance with federal law.

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), I am entitled to statutory damages of {$1000.00} per violation if any of these inquiries are falsely verified or left on my report after a legitimate identity theft claim.

Supporting Documentation : To support this claim, I am providing the following : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following actions be taken : 1. Immediate blocking and deletion of all fraudulent credit inquiries.

2. Debt verification for all disputed items.

3. Written confirmation that the fraudulent entries have been removed from my credit report.

4. Proof that all furnishers involved have been contacted and instructed to cease reporting unverifiable information.

5. A free updated copy of my credit report reflecting these corrections.

I expect written confirmation that my requests are being handled in accordance with FCRA guidelines. Please note that failure to comply may result in escalation, including additional complaints or 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