Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Fraudulent Account 's XXXX XXXXXXXX ( {$6100.00} ) - XXXX XXXX XXXX - {$34000.00} CC : Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am writing to dispute the accuracy and legitimacy of a derogatory account reporting on my XXXX  credit report : Creditor : XXXX XXXX  XXXX  Account Balance : {$34000.00} Creditor : XXXX  XXXX Account Balance : {$6100.00} Reason : Fraudulent / Identity Theft I have never applied for, opened, or authorized any account with XXXX  XXXX and XXXXXXXX XXXX XXXX. I am a XXXX XXXX who primarily operates on a cash basis and does not rely on credit. I recently discovered this unauthorized account while reviewing my credit report.

Furthermore, I have learned that my personal information was compromised in the XXXX XXXX XXXX XXXX, which I believe may have led to this identity theft. I am providing the following documentation to support my claim : A copy of my government-issued photo ID A copy of my Social Security card FTC Identity Theft Affidavit Police report from my local law enforcement agency Screenshot of the data breach notice Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I formally demand that this account be permanently deleted from my XXXX credit report. Continuing to report this account violates the following statutes : 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681b Limits on access and permissible purpose 15 U.S.C. 1681c-2 ( a ) Blocking of information resulting from identity theft 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance 15 U.S.C. 6802 Privacy of consumer financial information 18 U.S.C. 1028A Aggravated identity theft 15 U.S.C. 1692g Debt validation requirements under the FDCPA Please conduct a full reinvestigation as required by FCRA 1681i, and provide written confirmation that the XXXX XXXX account has been deleted from my XXXX  file. If this account is not permanently removed within 30 days of receipt of this letter, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.

You are hereby notified that you do not have my authorization to furnish or continue to report fraudulent, inaccurate, or unverifiable information.

Sincerely, [ Your Printed Name ] ( Not signed to protect against signature forgery ) Enclosures : FTC Identity Theft Affidavit Police Report Government-Issued ID Social Security Card Copy Screenshot of Data Breach Notification CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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