Consumer complaint received 2025-01-18 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: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear XXXX Team , I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the XXXX data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : 1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX- XXXX 4. XXXX XXXX - XXXX 5. XXXX XXXX XXXX XXXX - XXXX The following inquiries were not authorized by me : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision. 
Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security Card Utility Bill

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