Consumer complaint received 2025-08-02 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX RE : Request for Immediate Deletion of Fraudulent Items Under FCRA 605B Identity Theft Complaint To Whom It May Concern, This is my formal request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian immediately block and permanently delete all of the following fraudulent hard inquiries and unauthorized accounts that are the result of identity theft.

I have already submitted a valid identity theft report to the FTC ( Complaint # XXXX ), along with proof of identity and address. This request is being made in full compliance with federal law, which requires your agency to block such information within four ( 4 ) business days of receiving all required documentation.

This is now my second official request, and I would like to note that XXXX  and XXXX  have already honored my dispute and removed the fraudulent items from their records. I am asking Experian to do the same without further delay so I can move forward with my financial goals. 



Unauthorized Hard Inquiries to Be Deleted Immediately : 1XXXX 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 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 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 XXXXXXXX XXXX XX/XX/XXXX Fraudulent Accounts to Be Deleted Immediately : XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Statement of Non-Responsibility : I affirm under penalty of perjury that I did not open or authorize any of the above accounts or inquiries. My personal information was used fraudulently, and these items are not related to any legitimate transaction by me. 



Documents Attached : 1. FTC Identity Theft Report ( # XXXX ), showing the full list of fraudulent accounts and inquiries. 
2. Government-issued photo ID ( drivers license ) to verify identity.

3. Proof of address ( utility bill or official mail ).

4. Annotated copy of credit report showing the fraudulent items reported. 
5. Proof that XXXX  and XXXX  have removed these items, showing consistency across credit bureaus. 
6. This signed dispute letter for Experians records.

Legal Compliance Required : Under FCRA 605B, Experian is legally required to block and remove this information from my file within 4 business days of receiving this dispute. Failure to comply may result in civil liability under 15 U.S.C. 1681n and 1681o.

I am requesting full deletion of all fraudulent accounts, inquiries, and collections as identified above.

Thank you for your immediate attention to this serious matter. I look forward to receiving written confirmation of removal and a corrected credit report. 

Sincerely, XXXX 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