Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I am disputing an unauthorized account that was opened in my name as a result of my personal information being exposed in a data breach. I did not open this account, authorize it, or give anyone permission to use my information. This account is fraudulent, and I am not responsible for any charges, inquiries, or activity associated with it. 
Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting a permanent block and removal of all information related to this fraudulent account from my credit file.

This dispute is also supported by the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), which criminalizes the unauthorized use of personal identifying information.

Because this account resulted from identity theft caused by a data breach, I request immediate deletion of the account, removal of all related inquiries, and written confirmation that these corrections have been completed.

I've requested verifiable proof and none has been submitted as the debt was handed to another company to insert the misinformation on my credit reports. The account was BY XXXX XXXX XXXX 
PLEASE REMOVE THESE INQUIRIES AS THEY ARENT MINE AS A RESULT ALSO. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Identity Theft Request for Immediate Block Without Investigation Fraudulent XXXX XXXX Account ( Account No. XXXX ) To Whom It May Concern, I am the victim of identity theft, and I am disputing the fraudulent XXXX XXXX account listed above. My personal information was exposed in a data breach, resulting in this unauthorized account being opened without my consent. I did not authorize this account and I am not responsible for any charges or activity connected to it. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am invoking my legal right to have Equifax * block all identity-theftrelated information without requiring an investigation *. The FCRA requires a credit reporting agency to block such information within four ( 4 ) business days upon receiving an identity theft report.

Additionally, data breaches are governed under various state data breach notification statutes, which legally recognize compromised personal information as a valid basis for identity theft protections and relief.

Accordingly, I request : Immediate and permanent blocking of this fraudulent account Removal of all related inquiries No reinsertion of this account unless FCRA reinsertion requirements are strictly met Please send written confirmation once this block and removal are complete. 
Attached : Government ID, FTC Identity Theft Report Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Identity Theft Request for FCRA Block Without Investigation Fraudulent XXXX XXXX Account XXXX Account No. XXXX ) To Whom It May Concern, I am disputing a fraudulent T-Mobile XXXX account that resulted from my personal information being exposed in a data breach. This account was opened without my knowledge or permission. I am the victim of identity theft and did not authorize this activity. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), Experian is required to block all identity-theftrelated information * without conducting an investigation * once you receive an identity theft report. The law mandates removal within XXXX business days and prohibits reinsertion unless specific certification standards are met. 
Data breach exposure is legally recognized under state data breach notification laws as a legitimate basis for identity theft protection. 
I formally request : Immediate permanent block of this fraudulent account Removal of all associated inquiries Written confirmation of removal Attachments : ID, FTC Identity Theft Report

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