Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are XXXX, Fl, XXXX XXXX Date : XX/XX/XXXX Subject : Urgent Consumer Complaint Removal of Fraudulent Accounts Due to Identity Compromise in XX/XX/XXXXEquifax Data Breach and Other Breach To Whom It XXXX Concern, I am formally submitting this complaint regarding multiple fraudulent and unauthorized accounts appearing on my credit reports. I am a documented victim of the XXXX Equifax data breach, which exposed the personal and financial data of over XXXX XXXX XXXX mine. In addition, I was impacted by at least one additional data breach, further exposing my personal information to identity thieves.

As a result, I am now experiencing the consequences of this exposure in the form of inaccurate and unauthorized accounts being reported by consumer reporting agencies. These accounts do not belong to me and are clearly the product of identity theft or misuse of compromised data.

This is the first formal dispute I am submitting for these accounts, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under FCRA 611 ( a ), I have the right to dispute any item of information on my credit report that I believe to be inaccurate or the result of fraud. The law requires that the credit reporting agencies and the furnisher of information must conduct a reasonable investigation and remove any information that can not be verified as accurate and belonging to me.

I am demanding the following : 1. The immediate deletion of the unauthorized and unverifiable accounts in question from all consumer reporting agencies.

2. A complete investigation into these accounts, with all responses and documentation provided to me in writing.

3. That these accounts not be reinserted under any circumstances without full compliance with FCRA 611 ( a ) ( 5 ), which requires : Certification of accuracy by the furnisher ; and Written notification to me within five business days.

Given that my personally identifiable information ( PII ) was exposed in a major national breach, I request that this matter be treated with heightened urgency and seriousness. I am demanding resolution within four ( 4 ) business days from the receipt of this complaint, as continued reporting of fraudulent accounts is materially harmful to my financial and personal life.

Please note that failure to remove these accounts in accordance with the FCRA may result in further complaints being filed with the Federal Trade Commission, my State Attorney General, and could lead to legal action seeking all damages permitted under FCRA 616 and 617, including statutory, actual, and punitive damages, as well as attorneys fees. 

I appreciate your urgent attention to this matter and request a full written response detailing the actions taken to correct my credit file. 

Sincerely, XXXX XXXX Suggested Attachments : Government-issued photo ID ( to verify your identity ) Screenshot of data breach FTC Report

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