Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Urgent Request for CFPB Intervention Identity Theft and Fraudulent Accounts/Inquiries on Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request immediate intervention regarding multiple fraudulent accounts and unauthorized credit inquiries that have appeared on my credit report as a result of identity theft. These fraudulent items have caused significant and ongoing financial hardship, severely impacting my ability to access essential financial resources and undermining my financial stability. 

Despite my efforts to resolve this matter directly with the credit reporting agencies, these unauthorized accounts and inquiries remain on my report. I am now turning to the CFPB to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts Opened Without My Authorization : XXXX XXXXXXXX XXXX  Account ending in XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX  ( XXXX XXXX ) Account ending in XXXX Balance : {$23000.00} XXXX XXXX XXXX Account ending in XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Account ending in XXXX Balance : {$4700.00} XXXX XXXXXXXX XXXX XXXX Account ending in XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX Balance : {$34000.00} XXXX XXXXXXXX ( Utility Account ) Account ending in XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX Account ending in XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Account ending in XXXX Balance : {$0.00} Unauthorized Credit Inquiries : * XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries were made without my knowledge or consent and do not reflect any legitimate financial activity on my part. 
Supporting Documentation Provided : I have included all necessary documents in accordance with 15 U.S.C. 1681c-2, which legally entitles me to the blocking and removal of fraudulent accounts : * Police Report ( XXXX Precinct, Report XXXX. XXXX ) * FTC Identity Theft Reports ( Nos. XXXX & XXXX ) * Government-issued photo ID ( Drivers License ) * Social Security Card Legal Basis for Action : Per 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies must block fraudulent information within four business days of receiving proper documentation. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires deletion of any disputed items that are inaccurate, unverifiable, or fraudulent. 

Request for Immediate Resolution : I respectfully request that the CFPB assist in ensuring the immediate removal and permanent blocking of these fraudulent accounts and inquiries from my credit report. I also request written confirmation that this action has been taken. 
If this matter is not resolved promptly, I will pursue additional steps, including filing formal complaints with the FTC, the State Attorney General, and considering potential legal action for noncompliance with federal consumer protection laws. 

This is an urgent matter and I appreciate your prompt attention to ensure my rights are upheld under federal law.

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