Consumer complaint received 2025-07-18 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:
Complainant : XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Summary of Complaint : I am filing this formal complaint against Experian, Equifax, and TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), specifically under 605B ( 15 U.S.C. 1681c-2 ), for failing to block and remove fraudulent accounts, inquiries, and personal identifiers after receiving proper identity theft documentation. 

I am a confirmed victim of identity theft stemming from the XXXX Equifax Data Breach. I submitted an FTC Identity Theft Report ( Report # XXXX ), a signed statement under penalty of perjury, a copy of my drivers license, and my Social Security verification. I have fulfilled all statutory requirements under FCRA 605B, yet the fraudulent items remain on my credit reports. 



Demand for Immediate Action : Under FCRA 605B, you are legally obligated to block and permanently delete all fraudulent items from my credit reports within 4 business days of receiving my documentation. This includes : Fraudulent Accounts to Delete : XXXX XXXX XXXXXXXX XXXX Acct # : XXXX Balance : {$4500.00} XXXX XXXX Acct # : XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX  Acct # : XXXX Balance : {$2800.00} XXXX XXXXXXXX Acct # : XXXX Balance : {$1900.00XXXX XXXX XXXX Acct # : XXXX Balance : {$1500.00} XXXX XXXX XXXX Acct # : XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Acct # : XXXX Balance : {$270.00} XXXXXXXX XXXX XXXXXXXX Acct # : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$0.00} XXXX XXXX XXXX Acct # : XXXX Balance : {$0.00} XXXX XXXX Acct # : XXXX Balance : {$0.00} XXXX XXXX XXXX Acct # : XXXX Balance : {$0.00} XXXX XXXX XXXX Acct # : XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$1100.00} XXXX XXXX XXXX Acct # : XXXX Balance : {$1600.00} XXXX XXXX Acct # : XXXX Balance : {$1300.00} XXXX XXXXXXXX Acct # : XXXX Balance : {$7700.00} Fraudulent Inquiries to Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent Addresses to Delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Notice : This dispute must be reviewed by a live human investigator, not an automated e-OSCAR system. The FCRA legally requires : FCRA 1681i ( a ) ( 1 ) ( A ) Reinvestigation must use reasonable procedures FCRA 1681e ( b ) Obligation to maintain maximum possible accuracy FCRA 605B ( 15 U.S.C. 1681c-2 ) Block identity theft-related information within 4 business days upon valid documentation If you fail to comply, I will pursue civil litigation and seek damages under : FCRA 1681n Willful noncompliance FCRA 1681o Negligent noncompliance Including actual, statutory, and emotional distress damages, plus attorney fees and costs Resolution Requested : Permanent deletion and 605B block of all fraudulent accounts, inquiries, and addresses Written confirmation of deletion within 4 business days Cease & desist all future reinsertion or investigation of these fraudulent items

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