Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TO : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX RE : FORMAL IDENTITY THEFT DISPUTE AND XXXX BLOCK REQUEST IMMEDIATE REMOVAL REQUIRED ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX Account No. XXXX Balance Reported : {$2000.00} Status : Closed Date Opened : XX/XX/XXXX Dear Credit Bureau XXXX Department, This letter serves as a formal dispute and identity theft affidavit under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c2 ], regarding the fraudulent XXXX XXXX XXXX XXXX account appearing on my credit report. I am demanding the immediate removal of this account, which does not belong to me and was the result of identity theft stemming from the well-documented XXXX Equifax XXXX XXXX XXXX XXXX over XXXX XXXX Americans, including myself. 

I have no knowledge of this account, I have never applied for nor authorized any credit with XXXX XXXX XXXX XXXX, and I am exercising my rights under FCRA Section 605B to have this fraudulent account blocked and permanently deleted from my credit file.

UNDER FCRA SECTION 605B, I HEREBY DEMAND : 1. Complete and permanent removal of this account within 4 days of receipt of this notice. 
XXXX. No reinsertion of the account without strict adherence to Section 611 ( a ) ( 5 ) ( B ), which requires written certification from the furnisher and advanced notice to me.

3. A full reinvestigation, and deletion per FCRA 611 [ 15 U.S.C. 1681i ] if the information can not be verified with accurate, non-fraudulent documentation.

4. A written response confirming compliance within four ( 4 ) business days of receiving this letter. 

You are legally obligated to block and remove any account resulting from identity theft when a consumer provides : A valid identity theft report ; Proof of identity ; A written statement requesting the block. 

Enclosed are the following documents for your records and compliance : Copy of my government-issued photo ID Identity Theft Affidavit filed with FTC This written request pursuant to Section 605B FAILURE TO COMPLY Be advised that any continued reporting or reinsertion of this inaccurate and fraudulent account may constitute a willful violation of the FCRA, and may expose you to damages under 15 U.S.C. 1681n, including actual damages, punitive damages, and attorneys fees.

Refer to Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) and Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) which affirm your duty to conduct a reasonable investigation and act with due diligence. 

This is your legal notice under the FCRA and will be used as evidence of willful non-compliance if I am forced to take further action. I am demanding full compliance with no extensions, excuses, or delays. 



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