Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX RE : REQUEST FOR ADDRESS CORRECTION AND BLOCKING OF FRAUDULENT ACCOUNTS UNDER FCRA SECTION 605B To Whom It May Concern : I am writing to request two important actions regarding my consumer credit file : 1. ADDRESS CORRECTION Please update my address in your records as follows : Current incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BLOCKING OF FRAUDULENT ACCOUNTS In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block the reporting of the following accounts, which appear on my credit report as a result of identity theft : # Creditor Name Account Number Date Opened Balance Credit Limit Status XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$5200.00} Closed. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$11000.00} Account charged off. {$11000.00} written off. 
XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$940.00} Closed. {$220.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Closed. 
XXXX XXXX XXXXXXXX XX/XX/XXXX {$440.00} Closed. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} Closed. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX {$630.00} Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX {$17000.00} Account charged off. {$17000.00} written off. 
XXXX XXXX XXXX XX/XX/XXXX {$3000.00} Closed. {$240.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX {$1100.00} Account charged off. {$1100.00} written off. 
XXXX XXXX XXXX XX/XX/XXXX {$21000.00} Account charged off. {$21000.00} written off. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} {$5000.00} Closed. {$76.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX {$11000.00} open. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} Open. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} Account charged off. {$3900.00} written off. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} Account charged off. {$3900.00} written off. 
XXXX XXXX XXXX XXXXXXXX, XXXX. XX/XX/XXXX {$69000.00} Open. {$5600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXX/XX/XXXX {$32000.00} Account charged off. {$32000.00} written off. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} Account charged off. {$20000.00} written off. 
XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Open. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} Account charged off. {$14000.00} written off. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$61000.00} Open/Never late. 

SUPPORTING DOCUMENTATION I have enclosed the following required documentation : Copy of my police report/FTC Identity Theft Report # XXXX Proof of my identity ( copy of driver 's license/state ID ) My current address verification ( Driver 's License ) LEGAL REQUIREMENTS Under Section 605B of the FCRA, upon receiving my request with the proper documentation, you are required to : Block the identified fraudulent information within four business days of receiving my request Promptly notify the furnishers of the information that it may be the result of identity theft Provide me with written confirmation of the blocks and actions taken Additionally, under Section 611 of the FCRA ( 15 U.S.C. 1681i ), you must complete your investigation and provide results within 30 days ( 45 days if based on information I provide following your initial response ). 

Please process this request immediately as required by law. If you need additional information, please contact me at XXXX or XXXX. 

I look forward to your written confirmation that these items have been blocked from my credit report within the 4-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX : XXXX. Copy of Identity Theft Police Report # XXXX XXXX. Copy of Driver 's License/State ID XXXX. Proof of Address

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