Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Below is a letter i sent to all three credit bureaus. Only one credit bureau took action which was experian and it appears that they removed the two student loans that were fraud but they are not removing the previous address the offender used and they are not doing any of my other requests to include credit/security freeze, fraud alert. XXXX  and XXXX  was sent the exact same letter below to include all information they requested DL for proof of address and identity, a copy of my Social Security Card which i formally noted i did not agree with as it creates more of a security risk having my information out there like that, and the case number with the police report. I even included the paperwork i submitted to the creditor who reported the loans as they were also supposed to investigate the issue and they did not reply at all. I need this to be addressed i want my identity back. I am currently seeing a psychiatrist and a therapist not just because of this but this incident is apart of it. I want my identity back and to know that i am being protected under the Fair Credit Reporting Act ( FCRA ). As of right now i feel like i am not and that the credit bureaus are in violation and i want this addressed. I spent over {$50.00} sending them all this information just for them top turn around and ask for the exact same information i have already provided. 

As you see in the letter below I am very detailed and was very organized when i sent in this request. Please help me. If unable to resolve I will most likely take this to the next level and bring this situation into the courts to have it resolved if necessary. This is causing me a lot of mental / emotional stress that is un needed. 

Letter : XX/XX/XXXX Subject : Identity Theft Report and Dispute of Fraudulent Accounts To Whom It May Concern, I am writing to formally report that I am a victim of identity theft and to dispute two fraudulent accounts that have recently appeared on my credit report. These accounts were not authorized by me and are the result of criminal activity using my personal information. Due to this violation of my privacy, I feel extremely violated and disgusted that someone has unlawfully accessed and misused my sensitive details. The emotional distress caused by this crime can not be understated. 

On the evening of XX/XX/XXXX, while reviewing my XXXX XXXX app, I discovered two suspicious accounts listed under my credit profile. Deeply alarmed, I immediately went to my local XXXX Bank on the morning of XX/XX/XXXX, to speak with a bank teller and financial advisor. They placed a 12-month fraud alert on my bank account and advised me to file a police report. 

I then went to the XXXX XXXX Police Department to file a report. My case number is XXXX. 

The two fraudulent accounts are as follows : 1. Department of Education XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$4200.00} 2. Department of Education XXXX XXXX XXXX XXXX XXXX ( XXXX ) Amount : {$2300.00} Due to a medical emergency, I was unable to continue contacting anyone regarding this situation as I was admitted to the emergency room. This delayed my ability to follow up with the necessary steps to resolve this issue promptly. 

On the morning of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX ( XXXX ) and spoke with a representative named XXXX. She confirmed that the accounts were fraudulent, but stated they still needed to update the account details. I was informed of the previous contact information associated with these fraudulent accounts : Phone Numbers : XXXX and XXXX Email Address : XXXX Mailing Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( This address is also fraudulent. ) XXXX explained that updating these fraudulent details with my correct information was part of their internal fraud resolution process. However, I expressed my concern about this and have completed and submitted XXXX  Fraudulent Application Form as instructed. 

XXXX then directed me to contact XXXX XXXX XXXX University at XXXX for further information. Before calling, I verified that this number was legitimate via the university 's official website. I reached out to their office but was unable to gather any additional information. I was told that their fraud department would contact me back within 1-3 business days starting on XX/XX/XXXX, due to the holiday. 

To ensure I had all the correct details, I followed up with Officer XXXX XXXX from the XXXX XXXX Police Department ( XXXX ), providing him with the new information. Officer XXXX stated that he would attempt to contact the university as well to obtain more details regarding the fraud. 

Furthermore, I attempted to contact all three major credit bureausExperian, XXXX, and XXXXby phone. Each bureau informed me that I would need to mail a formal request in order to proceed with the dispute process. 

For your reference, here are the addresses provided by each bureau : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request the following actions : Investigate and permanently remove the two fraudulent accounts from my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ). 
Confirm and maintain a fraud alert on my credit file. 
Place a credit/security freeze on my file to prevent further unauthorized activity while allowing me to responsibly manage and build my credit. 
Update my personal information and address in your records to reflect the most current and accurate details, as provided below, supported by my attached identification. 

Enclosed are the following documents : A copy of my drivers license ( which provides proof of address, name, and date of birth ) A copy of my Social Security Card ( I would like to formally note that I do not agree with this request from any credit bureau. Requesting this documentation in the midst of a fraud claim is not only highly concerning but makes it easier for my sensitive information to fall into the wrong hands. A more secure process must be developed for handling such requests. ) A business card from the XXXX XXXX Police Department containing the case number for the report I filed ( Case No. XXXX ). You may contact the XXXX XXXX Police Department to request a copy of the report once it becomes available, as the case is currently under active investigation. 

Please confirm receipt of this letter and notify me in writing of the actions taken to correct and secure my credit file. I am eager to resolve this issue as quickly as possible and appreciate your immediate 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