Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
Please see supporting documents pertaining to Equifax Data Breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax Data Breach. I have included a copy of my Identity Theft Report ( # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : 1. XXXX XXXX ( late payments dates - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) account closed/charged off 2. XXXX XXXX ( late payments dates - XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) account closed/charged off XX/XX/XXXX. 
3. XXXX XXXX XX/XX/XXXX 4.XX/XX/XXXX ( late payment dates - XX/XX/XXXX XX/XX/XXXX ) account closed/charged off XX/XX/XXXX XXXX. XXXX XX/XX/XXXXXX/XX/XXXX - ( late payment dates- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) account closed/charged off XX/XX/XXXX XXXX.XX/XX/XXXX( XXXX last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

In accordance with XXXX XXXX XXXX ( a ), I demand that these accounts be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : * Defamation of character * Negligent Enhancement of Identity Fraud * Violation of the Fair Credit Reporting Act * Violation of 15 U.S. Code 1681o * Violation of 15 U.S. Code 1681n ( b ) * Failure to comply with 15 U.S. Code 1692 ( g ) * Violation of 15 U.S. Code 1681 ( b ) * Violations under 15 U.S. Code 1681c * Violation of 15 U.S.C. 1681 ii ( 7 ) Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Experian Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax Data Breach. I have included a copy of my Identity Theft Report ( # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : 1. XXXX XXXX XXXX XX/XX/XXXX XXXX.XX/XX/XXXXXXXX last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Credit XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX ( XXXX. Last four of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

In accordance with XXXX XXXX XXXX ( a ), I demand that these accounts be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I XXXX pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under XXXX XXXX. XXXX for the following reasons : * Defamation of character * Negligent Enhancement of Identity Fraud * Violation of the Fair Credit Reporting Act * Violation of XXXX XXXX Code XXXX * Violation of XXXX XXXX Code XXXX ( b ) * Failure to comply with XXXX XXXX Code XXXX ( g ) * Violation of XXXX XXXX Code XXXX ( b ) * Violations under XXXX XXXX Code XXXX * Violation of XXXX U.S.C. XXXX XXXX ( XXXX ) Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Transunion Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax XXXX XXXX. I have included a copy of my Identity Theft Report ( # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : XXXX. Courtesy Finance closed on XX/XX/XXXX. Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX finance closed on XX/XX/XXXX. Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. First Premier ( XXXX last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Credit XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX Credit XXXX ( XXXX. Last XXXX of credit card ) Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX closed on XX/XX/XXXX. Late Payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX account closed on XX/XX/XXXX. Late Payments - XX/XX/XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX account closed on XX/XX/XXXX. Late Payments - XX/XX/XXXX XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that these accounts be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : * Defamation of character * Negligent Enhancement of Identity Fraud * Violation of the Fair Credit Reporting Act * Violation of 15 U.S. Code 1681o * Violation of 15 U.S. Code 1681n ( b ) * Failure to comply with 15 U.S. Code 1692 ( g ) * Violation of 15 U.S. Code 1681 ( b ) * Violations under 15 U.S. Code 1681c * Violation of 15 U.S.C. 1681 ii ( 7 ) Method of verification ) Thank you for your urgent attention to this critical matter. 

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