Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Identity Theft Dispute Request for Immediate Deletion and Verification Procedures under the Fair Credit Reporting Act ( FCRA ) I am writing to you pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to formally dispute the inclusion of fraudulent accounts and inquiries that appear on my credit report due to identity theft. These accounts were not opened by me, nor did I authorize any third party to open them on my behalf. I am a victim of identity theft and have taken the appropriate steps to document this matter : I h
ave filed an identity theft report with law enforcement, a copy of which is enclosed.

I have also completed and attached a sworn affidavit declaring that I did not authorize the accounts in question.

Enclosed are a copy of my government-issued photo ID and a utility bill as proof of

identity and residency. REQUEST FOR DELETION & INVESTIGATION : Under the FCRA, specifically 1681i ( Section 611 ) and 1681c-2 ( Section 605B ), I formally request the following : 1 ) The immediate and permanent removal ( " blocking '' ) of all fraudulent accounts, inquiries, and any related negative information resulting from the identity theft. 2 ) A detailed description of the reinvestigation procedures used to verify the accuracy of the information, including : The name and contact information of the furnisher ( s ) who verified the information. All documents provided by the furnishers during the verification process. Copies of any applications, contracts, or communications used to verify the disputed accounts. 1 ) The following fraudulent account must be removed from my credit report. Account Na
me : XXXXXXXX XXXX Account Number : XXXX Fraudulent balance : {$8500.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
2 ) The following fraudulent account must be removed from my credit report. Account Name : XXXXXXXX XXXX  Account Number : XXXX Fraudulent balance : $ {$1200.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
3 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX Account Number : XXXX Fraudulent balance : {$10000.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
4 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXXXXXX Account Number : XXXX Fraudulent balance : {$13000.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
5 ) The following fraudulent account must be removed from my credit report. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$20000.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
6 ) The following fraudulent account must be removed from my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX This account is not mine. Fraudulent balance : {$10000.00} This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
7 ) The following fraudulent account must be removed from my credit report. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Fraudulent balance : {$24000.00} This account is not mine. This account is the result of identity theft, please remove from my credit report immediately as required by the Fair Credit Reporting Act. 
8 ) The following account is reporting incorrect information. Name : XXXX XXXX XXXX XXXX. Account Number : XXXX. This account has been paid as agreed. This account is not delinquent. This account is incorrectly showing 30 days past due. Please correct this inaccurate and inaccurate information on my credit report. 
9 ) The following account is reporting incorrect information. Name : XXXX XXXX. Account Number : XXXX. This account has been paid as agreed. This account is not delinquent. This account is incorrectly showing 90 days past due. Please correct this inaccurate and inaccurate information on my credit report. The correct status of this account is that it is deferred. 

9 ) The following account is reporting incorrect information. Name : XXXX XXXX. Account Number : XXXX. This account has been paid as agreed. This account is not delinquent. This account is incorrectly showing 90 days past due. Please correct this inaccurate and inaccurate information on my credit report. The correct status of this account is that it is deferred. 

The following accounts are the result of identity theft and were opened without my authorization. I do not understand how this accounts can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions in my name. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Please remove this inaccurate and fraudulent accounts from my credit report as required by the Fair Credit Reporting Act. I do not consent to any e-oscar, or any other means of automated verification.

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