Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Data Identity Theft Report and URGENT Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB, FTC report complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian block this fraudulent information appearing on my consumer credit report within XXXX ( XXXX ) business days of receiving this complaint. 

This letter is formally written by myself, XXXX XXXX XXXX, and not by a third party or representative. 

The following accounts are fraudulent and inaccurate : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$18000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX Balance : {$45000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$31000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Account Number : XXXX * * * * Balance : {$47000.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : Target Fintd-PRVTE LABLE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within XXXX ( XXXX ) business days of receipt of this letter and the attached documentation. 


Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Copy of Data Breach Better Business Bureau Complaint Attorney General Complaint I request written confirmation of the removal and blocking of these accounts and inquiries within XXXX ( XXXX ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX further information be required. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Affidavit of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Experian. 
My residential address is XXXX XXXX XXXX  XXXX XXXX, TX XXXX My Social Security XXXX is XXXX My Date of Birth is XX/XX/XXXX My email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief.

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