Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
Re : Urgent Request Fraudulent Information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts, inquiries, and public records from my credit report due to identity theft. This inaccurate information has caused significant harm to my credit, and I require immediate corrective action.

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am invoking my right to have fraudulent information blocked and permanently removed from my credit report. The following fraudulent accounts must be removed within four ( 4 ) business days of receiving this letter : Account Name : XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Additionally, I request the removal of the following dismissed bankruptcy filings, which were the result of identity theft : Bankruptcy XXXX XXXX Dismissed Filed on : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Dismissed Filed on : XXXX XXXX, XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Dismissed Filed on : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Dismissed Filed on : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX In addition, I demand the removal of all unauthorized inquiries resulting from this identity theft : Creditor Name : Ally Financial Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and seek monetary damages for the harm caused by the continued reporting of this inaccurate information. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation within four ( 4 ) business days of this letter, confirming that the fraudulent accounts, dismissed bankruptcies, and related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate attention to this issue.

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