Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last XXXX digits of XXXX : XXXX D.O.B. XX/XX/XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Today 's Date : XXXX Subject : Dispute of Fraudulent Information & Request for Investigation Under FCRA & Data Breach Exposure To Whom It May Concern, I am writing to formally dispute the unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and the XXXX breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries including 2 critical findings, including XXXX my name XXXX XXXX, along with my SSN tied to my identity within the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of Breach : The XXXX breach exposed the following aspects of my personal information : Full name Social Security number Date of birth Address history Employment information Financial account numbers This breach resulted in the misuse of my information, including the creation of fraudulent accounts and inquiries on my credit report. I am attaching the necessary supporting documents, including my FTC Identity Theft Report and the notification letter for the breach. 

Disputed Items : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and/or inquiries were made without my knowledge or consent. Under FCRA 605B, I am requesting that this item be blocked from my credit report.

Requested Actions : 1. Immediate Investigation : Conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken.

2. Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, please remove or block the disputed items from my credit report within the legally required timeframe.

3. Fraud Alert : Extend or renew the fraud alert on my file to ensure creditors are informed of this identity theft incident.

In addition, Im also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of XXXX ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have reason to believe that my credit file has been subjected to improper investigations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe Experians handling of my credit file may violate my privacy rights as guaranteed under the FCRA. This law mandates that consumer reporting agencies must ensure the accuracy, completeness, and privacy of the information they report. 
Please investigate this matter promptly and provide me with a corrected version of my credit report within the time frame required by law. If you are unable to verify the disputed items, I expect them to be immediately removed from my report. 
Additionally, I request confirmation that any inaccurate or unverifiable information will not continue to be reported on my file. 
Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Enclosed Documents : Copy of my government-issued ID FTC Identity Theft Report Notification letter of the XXXX breach Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 
Sincerely, XXXX 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