Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
IDENTITY THEFT AND CREDIT REPORT CORRECTION LAW STATEMENT Subject : Formal Invocation of Rights Under Federal Law for Victims of Identity Theft and Data Breach Complainant : [ Your Full Legal Name ] Address : [ Your Address ] City, State, ZIP : XXXX, XXXX  [ ZIP Code ] Date : [ Insert Date ] To Whom It May Concern : This written statement is submitted in accordance with federal law protecting consumers who are victims of identity theft, specifically under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, the Fair and Accurate Credit Transactions Act ( FACTA ), and the Identity Theft and Assumption Deterrence Act of 1998. 
I am the victim of an identity theft and data breach, which originated from major credit reporting agencies Equifax and TransUnion and subsequently impacted my financial accounts, including my XXXX  XXXX XXXX account used to make mortgage payments to XXXX and XXXX. 
Following multiple investigations and reports to the Federal Trade Commission ( FTC ) and the XXXX Police Department ( Case Number : [ Insert Case Number ] ), it has been confirmed that my personal and financial information was fraudulently accessed and used without my authorization. The FTC and local law enforcement have both determined that my identity theft case is valid and ongoing. 
Under federal law, specifically 15 U.S.C. 1681c-2 ( a ), I am entitled to have any information resulting from identity theft blocked and removed from my consumer reports. This includes any derogatory, delinquent, or negative items that originated as a direct result of the fraudulent activity on the affected XXXX  XXXX XXXX account. 
Therefore, I am formally requesting that XXXX, XXXX, Experian, XXXX, and XXXX immediately : Remove and permanently block all negative or late payment information associated with the fraudulent XXXX  XXXX XXXX account that was compromised during the identity theft incident. 
Reinvestigate and correct my credit file pursuant to 15 U.S.C. 1681i, ensuring that all data reported is accurate and verified as belonging to me. 
Cease further reporting of any information that has been verified as connected to the breach and fraudulent activity. 
I have attached and previously submitted documentation to verify my identity theft claim, including : FTC Identity Theft Report ; Police Report from XXXX Police Department ; Correspondence from Equifax and TransUnion confirming prior breach notifications ; Supporting account statements showing unauthorized or compromised activity. 
Please be advised that failure to comply with this request violates my rights under federal law and may result in civil penalties or legal action. This notice serves as my ninth written request to correct the record. I have chosen not to obtain a new Social Security number, as I have maintained my identity responsibly for 53 years, and the burden of starting over is not a reasonable or fair resolution under the law. 
Accordingly, I reaffirm my position that : The loan itself is not fraudulent, but The account used to make the payments was compromised, and therefore any resulting delinquencies or negative marks are the direct result of identity theft and data breach, not negligence or financial irresponsibility on my part. 
I am exercising my legal rights under FCRA, FACTA, and federal identity theft statutes, and demand that these derogatory items be removed immediately.

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