Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) All fraudulent inquiries, inaccurate names, and negative accounts in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C.

1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my XXXX XXXX XXXX XXXX XXXX XXXX complaint as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft complaint by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. 
The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint.

These fraudulent, inaccurate, and unauthorized credit inquiries, negative accounts, and incorrect names have appeared on my consumer FICO credit report without my consent. 
I have attached copies of the inquiries and accounts in question, as well as a copy of the consumer credit report maintained by your agency showing the fraudulent entries. 
REMOVE IMMEDIATELY PLEASE THESE INQUIRIES, NAMES, AND NEGATIVE ACCOUNTS. 
I do not recognize the aforementioned inquiries or accounts as authorized by me. These were not initiated, requested, or approved by me. They are the result of identity theft and unauthorized access to my credit file. 
I did not authorize the sharing of my non-public personal information or consent to its use for credit applications. 
Reporting or accessing my file without my written consent violates 15 U.S.C. 1681b ( Permissible Purposes ) and infringes upon my privacy rights under 15 U.S.C. 1681a ( 4 ).

These inquiries, names, and negative accounts must be blocked or deleted immediately from my consumer credit report, under FCRA 605B. 
I am writing to notify you that I have fallen prey to identity theft. I have reached out to the XXXX XXXX XXXX XXXX XXXX XXXX and lodged a complaint, which is enclosed for your reference. 

My credit report contains fraudulent inquiries, inaccurate personal information, and negative accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and Certified Mail. 
In addition, I formally request the immediate removal of all unauthorized inquiries, deletion of all inaccurate or fraudulent negative accounts, and correction or removal of any incorrect names or personal identifiers from my credit report. 
Listed below are the Collections that are being challenged 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 XXXXXX/XX/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