Consumer complaint received 2025-04-22 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:
Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Phone : XXXX FTC Identity Theft Report Number : XXXX Date : XX/XX/year> Subject : FCRA VIOLATIONS IDENTITY THEFT IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS, INQUIRIES, AND COLLECTIONS To the Consumer Financial Protection Bureau, This is a formal complaint against Experian, Equifax, and TransUnion for willful violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 15 U.S.C. 1681i, and 15 U.S.C. 1681e ( b ), for failing to delete or block fraudulent items from my credit reports despite receipt of a proper and verified FTC Identity Theft Report. 

I, XXXX XXXX, am a victim of identity theft. On XX/XX/year>, I submitted FTC Identity Theft Report # XXXX, which includes a sworn personal statement identifying multiple unauthorized and fraudulent accounts, inquiries, and addresses. 

The following items were fraudulently added to my credit reports without my knowledge or authorization : XXXX. XXXX  XXXX XXXX | Account # : XXXX | Amount : {$1100.00} XXXX. XXXX XXXX XXXX | Account # : XXXX | Amount : {$310.00} XXXX. Unauthorized Hard Inquiries from : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for any of these accounts, did not authorize any of the above entities to pull my credit or report data to the credit bureaus, and never lived at the addresses listed. These accounts and inquiries were made without a permissible purpose under 15 U.S.C. 1681b, making their inclusion on my credit reports illegal and harmful.

Pursuant to 15 U.S.C. 1681c-2, I submitted my FTC Identity Theft Report with the intent to have all fraudulent information : Blocked, deleted, and permanently removed from all three credit reporting agencies.

Accompanied by a complete and detailed response per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, address, and telephone number of any furnisher of the disputed data, and the method of verification used. 

It is a violation of the FCRA to fail to block and delete identity theft-related information once a valid identity theft report is received. Your continued reporting of these items constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, and legal fees. 

DEMAND : I demand immediate deletion and blocking of all the above-listed accounts, addresses, and inquiries from my credit reports maintained by Experian, Equifax, and TransUnion within five ( 5 ) business days. These include fraudulent collections by XXXX XXXX XXXX and XXXX XXXX XXXX, unauthorized inquiries from XXXX XXXX, XXXX, XXXX, and XXXX XXXX, as well as all false addresses. 

Failure to comply will result in federal litigation and/or multiple small claims lawsuits seeking at least {$10000.00} in damages per bureau for ongoing violations of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX FTC Identity Theft Report # : XXXX Email : XXXX Phone : 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