Consumer complaint received 2024-10-07
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. (NY)

Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block and Delete Adverse Accounts Due to Litigation Dear Experian, I am writing to formally request the blocking and deletion of adverse accounts listed on my credit report that are currently under litigation, as provided for under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been involved in litigation concerning the following accounts, which I believe are inaccurate and should not be reported to credit bureaus : Under the FCRA, I understand that I have the right to dispute inaccuracies in my credit report and to request that adverse information be blocked if it is the subject of litigation. I have attached supporting documentation related to this litigation, including any court orders or judgment documents. 

Please ensure that these accounts are blocked and deleted from my credit report. I would appreciate your prompt attention to this matter and a written confirmation once these actions have been completed. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Adverse Accounts Due to Identity Theft Dear Experian Customer Service, I am writing to formally report identity theft and request the immediate blocking of adverse accounts associated with my personal information as provided under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B.

My name is [ Your Full Name ], and my Social Security number is [ Your SSN ]. I recently discovered that my personal information has been compromised, resulting in fraudulent accounts being opened in my name. This has caused significant distress and has negatively impacted my credit report. 

The following accounts have been fraudulently opened without my consent : Block Delete XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$150.00} Status Open. {$150.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$21000.00} Status Open. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Paid in settlement. 
XXXX XXXX dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  CHILD SUPPORT ENFC Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2300.00} Status Collection account. {$2300.00} past due as of I have filed a report with my local law enforcement agency and have included a copy of that report with this letter. Additionally, I have attached documents that verify my identity, including a copy of my government-issued ID and proof of my address. 

Under the FCRA, I request that you block these adverse accounts from my credit report promptly. Please send me a written confirmation once this action has been taken. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX