Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : FORMAL DISPUTE OF FRAUDULENT INFORMATION & REQUEST FOR REMOVAL UNDER THE FCRA To Whom It May Concern : I am submitting this letter to formally dispute inaccurate and fraudulent information on my Equifax credit report. These items appear to be the result of identity theft, potentially stemming from the Equifax data breach. The following accounts * * do not belong to me * * and must be removed immediately : Creditor/Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Fraud / Identity Theft Creditor/Account Name : First Premier Account Number : XXXX Reason for Dispute : Fraud / Identity Theft Creditor/Account Name : XXXX Account Number : Reason for Dispute : Fraud / Identity Theft Creditor/Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Fraud / Identity Theft Creditor/Account Name : XXXX Select In Company Account Number : XXXX Reason for Dispute : Fraud / Identity Theft The following inquires are also a result of identity theft and were made without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Applicable Credit Laws Supporting This Dispute XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA : * * * 611 ( FCRA 1681i ) * * You are required to conduct a * * reasonable reinvestigation * * of any disputed information and correct or delete it within * * 30 days * *.

* * * 607 ( b ) ( FCRA 1681e ( b ) ) * * You must maintain * * maximum possible accuracy * * of consumer information.

* * * 605B ( FCRA 1681c-2 ) * * As a victim of identity theft, I am entitled to have fraudulent information * * blocked from my credit report within 4 business days * * of receiving my valid identity-theft documentation. XXXX XXXX XXXX  * * 2. Fair and Accurate Credit Transactions Act ( FACTA ) * * Under FACTA identity theft provisions : * I may request that fraudulent data be * * blocked * * from my report. 
* I am allowed to provide an * * Identity Theft Report * * ( XXXX Report ) or police report, which legally obligates you to remove affected items. 

XXXX XXXX XXXX XXXX XXXX 3. FCRA 609 ( e ) Identity Theft Documentation * * Upon providing proof of identity theft, I am entitled to documents related to the fraudulent accounts, including applications and transaction records, which creditors must provide to me through you upon request. 

XXXX XXXX XXXX XXXX XXXX XXXX  Request for Action XXXX XXXX XXXXnder the laws above, I request the following : XXXXXXXX XXXX XXXX Immediate deletion or correction * * of all fraudulent accounts listed. 
XXXX. A * * full reinvestigation * * under FCRA 611.

3. A * * 4-day identity theft block * * under FCRA 605B, if my enclosed documents qualify.

4. Written results of your investigation, including : * Confirmation of deletions * A free updated credit report reflecting all corrections * Notification sent to any creditor who recently accessed my file XXXX XXXX XXXX XXXX Enclosures Provided XXXX XXXX XXXX  Copy of government-issued ID * Proof of address * Copy of disputed credit report * ( Optional ) Police report or FTC Identity Theft Report * ( Optional ) Any supporting evidence I expect compliance with all relevant provisions of the XXXX XXXX  FCRA XXXX XXXX XXXX XXXX FACTA XXXX XXXX and identity-theft protections. Thank you for your prompt attention. 

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