Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Subject : ** Formal Dispute Demand for Immediate Action Under 15 USC 1681c-1 ( 605B ) Due to Data Breach and Identity Theft To Whom It May Concern, I am writing to formally dispute several inaccuracies on my credit report and to invoke my rights under **15 USC 1681c-1 ( Section 605B ) **, which grants consumers the right to block any information that is the result of identity theft or fraudulent accounts. This letter also serves to inform you that I believe my personal information may have been compromised in a data breach, resulting in unauthorized accounts appearing on my credit report. 

According to 15 USC 1681c-1 ( 605B ), you are required by law to block any information resulting from identity theft or unauthorized activity within **four business days** of receiving a request from the consumer, along with the necessary documentation. I have already provided you with the required information, including a police report and an identity theft affidavit. Nevertheless, you have failed to remove the fraudulent items from my credit report. This non-compliance is a direct violation of federal law. 

The following accounts must be **immediately** removed from my credit report under **15 USC 1681c-1 ( 605B ) ** : XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : Immediate removal due to unauthorized activity. 

XXXX. XXXX Account XXXX : XXXX *Action Required* : This account reflects inaccurate late payments, which can not be validated. As I did not authorize this account, it should be removed under XXXX. 

XXXX. XXXX XXXX Account XXXX : XXXX *Action Required* : This account is unauthorized and a direct result of identity theft. Immediate removal is required. 

XXXX. XXXX XXXX Account Number : XXXX *Action Required* : Remove this account immediately, as I have no relationship with this entity and it appears due to fraudulent activity. 

Under **Section 605B**, the law is clear : once you have been informed of the unauthorized nature of these accounts and fraudulent entries, you must take swift action to block them from my credit report. You have failed to adhere to this legal requirement, and your continued reporting of these accounts not only violates my rights under **15 USC 1681c-1**, but also subjects you to legal consequences for noncompliance. 

I demand that these accounts be permanently removed within XXXX business days of receiving this letter. If you do not comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file a complaint with the Federal Trade Commission ( FTC ), and pursue legal action under the Fair Credit Reporting Act ( FCRA ). 

Enclosed is a copy of my original dispute letter, and any other supporting documentation necessary to process this request. Failure to act within the required timeframe will force me to take immediate legal steps. 

Sincerely, XXXX XXXX