Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Immediate Action under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, This letter serves as a formal dispute regarding inaccurate and fraudulent information appearing on my credit report. Specifically, the following accounts and inquiry, which I did not authorize or open, must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Unauthorized inquiry Basis for Dispute Identity Theft and FCRA Requirements Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving appropriate documentation. I am a victim of identity theft and have taken proper steps, including filing an identity theft report and notifying the relevant parties.

Additionally, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are required to validate any debts they report. This includes providing original documentation proving I authorized these accounts. To date, neither you nor the furnishers of this information have provided such validation, which is a violation of federal law. Reporting unverifiable debts also violates 15 U.S.C. 1681s-2, which mandates furnishers to report only accurate and verified information. 

XXXX XXXX Breach Connection Furthermore, the XXXX XXXX XXXX in XXXX compromised sensitive personal information, including mine, which has been directly linked to fraudulent activity. These accounts and the XXXX inquiry stem from unauthorized use of my personal information due to this breach. As such, XXXX must take immediate steps to investigate and remove these inaccuracies as required under the FCRA and state laws. 

Actions Requested I demand the following actions in accordance with federal laws : XXXX. XXXX blocking and removal of the fraudulent accounts and inquiry listed above from my credit file under 15 U.S.C. 1681c-2 ( a ).

2. Validation of debts under 15 U.S.C. 1692g ( b ) by providing original signed account documents proving I authorized or opened these accounts. If such validation can not be provided, these accounts must be permanently removed.

3. Written confirmation of the deletion of these accounts and inquiry, and/or documentation verifying your investigation.

Civil Remedies Failure to comply with these requests will leave me no choice but to pursue a civil suit under : 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent noncompliance with the FCRA.

15 U.S.C. 1692k for violations of the FDCPA.

Additionally, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and escalate the matter to state and federal regulators.

Supporting Documents Failure to act on this dispute within the legally required timeframe will serve as further evidence of your noncompliance with federal law. I expect written confirmation of your company actions within 30 days, as required by the FCRA removing these erroneous items and inquiries. 

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

Sincerely, XXXX XXXX

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