Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian, XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX RE : IMMEDIATE PERMANENT BLOCK AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO FCRA SECTION 605B AND FTC REPORT # XXXX To Whom It May Concern, This letter serves as my final formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), requiring the permanent blocking and deletion of all fraudulent accounts, inquiries, and associated data from my credit reports at Experian, Equifax, and TransUnion. 

As detailed in my FTC Identity Theft Report # XXXX ( attached ), I am the victim of verified identity theft. Below is the complete list of fraudulent accounts, inquiries, and personal data to be immediately removed : XXXX XXXX XXXX XXXX  ( # XXXX, {$26000.00} ) XXXX XXXX XXXX ( # XXXX, {$310.00} ; # XXXX, {$470.00} ) XXXX XXXX XXXX ( # XXXX, {$1000.00} ) XXXX XXXX XXXX ( # XXXX, {$830.00} ) XXXX XXXX XXXX XXXX ( fraudulent inquiry ) XXXX XXXX XXXXXXXX ( fraudulent inquiry ) XXXX XXXX XXXX XXXX ( fraudulent inquiry ) LEGAL BASIS AND DEMAND : Under 15 U.S.C. 1681c-2 ( Section 605B ), once a consumer provides a valid identity theft report, you are legally required to block the reporting of the fraudulent information within 4 business days and prevent re-reporting.

Under 15 U.S.C. 1681i ( Section 611 ), you must conduct a lawful reinvestigation and remove any unverifiable, inaccurate, or incomplete data.

Under 15 U.S.C. 1681e ( b ), you have an obligation to maintain maximum possible accuracy.

Under 15 U.S.C. 1681n and 1681o, your willful or negligent noncompliance exposes you to statutory damages of {$1000.00} per violation, plus actual, punitive damages, and attorney fees. 

PERSONAL IDENTITY THEFT STATEMENT ( as required by law ) : I, XXXX XXXX, hereby declare that I am the victim of identity theft and have attached the official FTC Identity Theft Report. I did not authorize, open, or benefit from the listed fraudulent accounts or inquiries. I demand that all associated data be permanently blocked and deleted from my credit file. 

FINAL NOTICE : You have no more than XXXX business days from receipt of this letter to complete the permanent block and deletion. Failure to comply will result in immediate formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and a lawsuit for full statutory damages under the FCRA. 

Please send me written confirmation that all listed fraudulent accounts and inquiries have been blocked and permanently deleted. 

Sincerely, XXXX XXXX PERSONAL IDENTITY THEFT STATEMENT : I, XXXX XXXX, hereby declare under penalty of perjury that I am a victim of identity theft. I did not open, authorize, or benefit from the fraudulent accounts or inquiries listed in my FTC Identity Theft Report. I have never had any contractual or financial relationship with these entities and demand the permanent deletion and blocking of this fraudulent data from all credit bureaus.

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