Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Unauthorized Accounts and Request for Immediate Action To Whom This May Concern I hope this letter finds you well. I am writing to formally dispute several accounts listed on my credit report that have come to my attention. These accounts are unauthorized and have been established without my consent, which is a clear case of identity theft. As a victim, I am reaching out to ensure my credit report accurately represents my financial history and reflects my true creditworthiness. 

To substantiate my claims, I have diligently compiled and enclosed the following critical documentation : 1XXXX XXXX XXXX Federal Trade Commission ( FTC ) Report XXXX XXXX  : This report confirms that I am a victim of identity theft. It provides a comprehensive overview of the circumstances surrounding this situation and validates my request to block these unauthorized accounts. 
XXXXXXXX XXXX XXXX  Identity Theft Affidavit XXXX XXXX XXXX  This affidavit outlines my claims and provides additional context regarding the accounts in question. It details how my personal information has been compromised. 

XXXX XXXX XXXX  Proof of Identity XXXX XXXX : Enclosed are copies of my identification documents to verify my identity and support the legitimacy of my claims. 
Let me emphasize : my request for the removal of these accounts is not a matter of mere dispute ; it is a necessary correction that must take place to prevent lasting repercussions on my credit profile. I urge you to consider the implications of inaction. The continued presence of these fraudulent accounts not only tarnishes my credit score but also poses significant obstacles as I work to secure future loans and maintain my overall financial health.

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to block fraudulent information, and I expect your cooperation in this matter. The FCRA mandates that you conduct a thorough investigation of this dispute and respond within the legally required timeframe. Preparing to invoke this section should not be a cause for concern, but rather an opportunity for you to reaffirm your commitment to consumer rights.

I understand there may be protocols in place that can lead to misunderstandings, so I want to preemptively address any potential roadblocks. The documentation I have included is comprehensive and indisputable evidence of my identity theft claim. My request is neither erroneous nor based on a misunderstanding ; it is firmly rooted in established fact, corroborated by recognized authorities. 
In appreciation of the urgency surrounding this matter, I kindly request that you process my request and block these fraudulent accounts from my report within 4 business days as mandated by FCRA. If, for any reason, you find yourself inclined to respond by suggesting that my request is unfounded or based on a misrepresentation, please refer back to the enclosed documentation that unambiguously supports my claims. 
Thank you for your prompt attention to this critical issue. I look forward to your affirmative response confirming the removal of these fraudulent accounts from my credit report and restoring my financial integrity. 
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