Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identity Theft Victim Notification Request for Action Under 15 U.S. Code 1681c2 To Whom It May Concern, I am contacting you to formally notify you that I am a victim of identity theft. Fraudulent accounts and/or transactions have been made using my personal information without my knowledge or consent. I did not authorize these actions and they do not reflect my financial activity or responsibility. Pursuant to 15 U.S. Code 1681c2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request that all information resulting from this identity theft be blocked from my credit file. This section mandates that a consumer reporting agency must block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving : XXXX. Proof of the consumers identity, XXXX. A copy of an Identity Theft Report ( such as XXXX filed with the FTC or a police report ), XXXX. The identification of the fraudulent information, and XXXX. A statement from the consumer that the information is not related to any transaction they made. I have enclosed/attached the following documentation to satisfy these legal requirements : A copy of my government-issued ID ( proof of identity ), A copy of the Identity Theft Report I filed at [ IdentityTheft.gov / or with law enforcement ], A list of fraudulent items to be blocked or removed, A sworn statement that these items were the result of identity theft and not transactions made or authorized by me. I also request that a fraud alert or extended fraud alert be placed on my credit file and that you send me a free copy of my updated credit report once the fraudulent information has been removed or blocked. Please take this matter seriously. Non-compliance with 15 USC 1681c2 may constitute a violation of federal law, andIdentity Theft Victim Notification Request for Action Under 15 U.S. Code 1681c2 To Whom It May Concern, I am contacting you to formally notify you that I am a victim of identity theft. Fraudulent accounts and/or transactions have been made using my personal information without my knowledge or consent. I did not authorize these actions and they do not reflect my financial activity or responsibility. Pursuant to 15 U.S. Code 1681c2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request that all information resulting from this identity theft be blocked from my credit file. This section mandates that a consumer reporting agency must block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving : XXXX. Proof of the consumers identity, XXXX. A copy of an Identity Theft Report ( such as XXXX filed with the FTC or a police report ), XXXX. The identification of the fraudulent information, and XXXX. A statement from the consumer that the information is not related to any transaction they made. I have enclosed/attached the following documentation to satisfy these legal requirements : A copy of my government-issued ID ( proof of identity ), A copy of the Identity Theft Report I filed at [ IdentityTheft.gov / or with law enforcement ], A list of fraudulent items to be blocked or removed, A sworn statement that these items were the result of identity theft and not transactions made or authorized by me. I also request that a fraud alert or extended fraud alert be placed on my credit file and that you send me a free copy of my updated credit report once the fraudulent information has been removed or blocked. Please take this matter seriously. Non-compliance with 15 USC 1681c2 may constitute a violation of federal law, and I am prepared to take further legal action if necessary. Thank you for your immediate attention to this matter. Please confirm in writing once the requested actions have been completed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/year> I am prepared to take further legal action if necessary. Thank you for your immediate attention to this matter. Please confirm in writing once the requested actions have been completed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XX/XX/year>

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