Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nExperian\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnSS#: XXXX\nXXXXExperian\XXXXExperian\XXXX XXXX XXXX XXXX XXXX\nSubject: Immediate Action Required Under FCRA XXXX (15 USC 1681-2) - Demand for Removal of\nFraudulent Information\nTo Whom It May Concern,\nThis letter serves as an official demand for the immediate removal of fraudulent and inaccurate information\nfrom my credit report pursuant to the Pair Credit Reporting Art (XXXX) Section XXXXB, codified at 15 U.S.\nCXXXXe XXXX: Under this provision, you are legally obligated to block fraudulent information from my credit\nreport within four (4) business days of receiving this formal notification.\nThe following accounts have been falsely reported to your agency and must be blocked without delay as they\nare the direct result of identity theft and were never authorized by me:\n1. The following personal information is incorrect\nAccount Number:\nNAME: XXXX XXXX XXXX XXXXXXXX. FCRA XXXX (XXXX U.S.C. XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\nCREDIT ACCEPTANCE\nDate of inquiry: XXXX\nAccording to FCRA XXXX (15 U.S.C.  XXXX) (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX business days\nafter the date of receipt by such agency\n3. FCRA XXXX (XXXX U.S.C. 1681C-2)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\nXXXX XXXX XXXX\nDate of inquiry: XXXXAccording to FCRA  XXXX (15 U.S.C.  XXXX) (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX business days\nafter the date of receipt by such agency\n4. FCRA XXXX XXXX  U.S.C. XXXXXXXX[A] BLOCK IN REGARDS FOR IDENTITY THEFT\nXXXXAccount Number: XXXX\nAccording to FCRA XXXX (15 U.S.C.  XXXX  (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX  business days\nafter the date of receipt by such agency\n5. FCRA XXXX XXXX XXXX XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\nXXXX XXXXnAccount Number: XXXX\nAccording to FCRA XXXX  (15 U.S.C.  XXXX (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX  business days\nafter the date of receipt by such agency\n6. FCRA XXXX XXXX  U.S.C. XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\XXXX\nAccount Number: XXXX\nAccording to FCRA  XXXX (15 U.S.C. XXXX (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX business days\nafter the date of receipt by such agency\n7XXXX XXXX XXXX XXXX U.S.C. XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\XXXX\nAccount Number: XXXX\nAccording to FCRA  XXXX  (15 U.S.C.  XXXX) (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX business days\nafter the date of receipt by such agency\n8. FCRA XXXX XXXX U.S.C. XXXXA] BLOCK IN REGARDS FOR IDENTITY THEFT\nXXXX XXXX XXXX\nAccount Number: XXXXXXXXAccording to FCRA  XXXX (15 U.S.C.  XXXX (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX  business days\nafter the date of receipt by such agency\n9. FCRA XXXX XXXX U.S.C. XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\XXXX  XXXX\nAccount Number: XXXXXXXXAccording to FCRA  XXXX (15 U.S.C. XXXX) (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX business days\nafter the date of receipt by such agency\n10. FCRA XXXX XXXX U.S.C. XXXX)[A] BLOCK IN REGARDS FOR IDENTITY THEFT\nCCI\nAccount Number: XXXXAccording to FCRA XXXX  (15 U.S.C.  XXXX) (a) Block. Except as otherwise provided In this section, a\nconsumer reporting agency shall block the reporting of any Information in the file of a consumer that the\nconsumer identifies as Information that resulted from an alleged identity theft, not later than XXXX  business days\nafter the date of receipt by such agency\n11. The following personal information is incorrect\nAccount Number:\nNAME: XXXX XXXX XXXX XXXX. The following personal information is incorrect\nAccount Number:\nDATE OF BIRTH: XXXX\nThese accounts were fraudulently opened using my personal information, and I have attached all neccessary\nsupporting documentation (such as my identity theft aftidavit. police report, and any additional records you\nmay require). Failure to comply with FCRA Section XXXX in not only a vialation of my rights under federal\nlaw but also exposes your agency to potential civil lability.\nAs stipulated under FCRA XXXX) You are required to block this information from my credit report no later than XXXX XXXX) business days from\nthe receipt of this notice.\nXXXX The fraudulent accounts must be removed from my credit file and no longer appear in any future credit\nreports issued by your agency\nXXXX) You are prohibited from re inserting these fraudulent items unless you have a good faith basis to believe\nthat the information in accurate, If such action is taken, you are further required to provide me with written\nnotice of this reinsertion within XXXX XXXX  business days, detailing the basis for your decision.\nPlease understand that this is not a request but a formal demand for compliance with federal law. Your failure\nto respond and take appropriate action will be met with the immediate pursuit of all available legal remedies,\nincluding but not limited to complaints filed with the Consumer Financial Protection Bureau (CFPB), the\nFederal Trade Commission (FTC), and civil litigation under the FCRA.\nI expect to receive written confirmation that the fraudulent accounts listed above have been blocked and\npermanently removed from my credit file as required by law.\nThis matter requires your immediate attention, and XXXX  anticipate your prompt and thorough compliance.\nSincerely,\XXXX XXXX XXXX\nDate of Birth: XXXXnEnclosuresXXXXFCRA XXXX (15 USC XXXX)\nIdentification & Social Security Card'

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