Consumer complaint received 2025-12-04 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 XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Identity Theft Dispute Demand for Permanent Deletion and Blocking of Fraudulent Accounts Under FCRA 605B, 611, 623 and FACTA Identity Theft Protections To Whom It May Concern, I am formally submitting this written identity theft dispute to Experian, Equifax, and TransUnion, and I am simultaneously notifying the Consumer Financial Protection Bureau ( CFPB ) regarding the serious fraudulent activity currently reported in my credit files. This statement is being drafted in the same manner in which it will appear on my FTC Identity Theft Affidavit, as these accounts were opened without my knowledge, authorization, or consent. 
I am a documented victim of identity theft, and the following accounts reporting on my credit reports are 100 % fraudulent, not authorized by me, and were opened using my stolen personal information : XXXX Balance : {$410.00} XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$450.00} XXXX Balance : {$600.00} I have never applied for, opened, used, or authorized any of the accounts listed above. These entries were created by an identity thief who gained access to my personal information through major data breaches. 
My Personal Information Was Exposed in Multiple Breaches I recently confirmed that my personal information was compromised in the following major security breaches : XXXX XXXX XXXX XXXX Equifax XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These breaches resulted in my stolen identifying information being used to fraudulently open credit accounts in my name without my knowledge or consent. 
DEMAND FOR PERMANENT DELETION & BLOCK UNDER FEDERAL LAW Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), you are legally required to block and permanently delete all information resulting from identity theft once notified by the consumer.

I am invoking the following laws : FCRA 605B Mandatory Blocking of Identity Theft Accounts You must block the fraudulent accounts from my credit report within four ( 4 ) business days, as these accounts were created through identity theft. Reinsertion is prohibited unless you receive certified proof from the furnisher that the accounts are legitimate, which they are not.

FCRA 611 Reinvestigation Requirements You must conduct a reasonable and documented reinvestigation. Any account that can not be 100 % verified as belonging to me must be deleted.

FCRA 623 ( a ) ( 6 ) Furnisher Duty to Not Report Fraudulent Information Furnishers are prohibited from reporting information they knowor should knowto be fraudulent. 
FCRA 623 ( b ) Mandatory Deletion of Unverifiable Information If the furnisher can not prove with absolute certainty that I personally opened the accounts, you must delete them. 
FACTA Identity Theft Provisions FACTA requires consumer reporting agencies to implement enhanced fraud protections, block identity theft information, and ensure that consumer files are protected from mixed files, unauthorized data, and fraud. 
I Am Demanding the Following Actions Immediately Permanent deletion and blocking of all fraudulent accounts listed above from Experian, Equifax, and TransUnion.

A full reinvestigation under FCRA 611. 
A written explanation confirming the deletion and confirming that these accounts will never be reinserted unless strict FCRA reinsertion rules are followed. 
Copies of all documentation provided by the furnishers, if any, attempting to validate these fraudulent accounts. 
This Is a Legally Binding Identity Theft Notice This dispute letter serves as the written identity theft statement accompanying my FTC Identity Theft Affidavit. Under federal law, once notified of identity theft, you must block the fraudulent information and may not continue to report it.

Conclusion I expect full compliance with FCRA 605B, 611, and 623, as well as FACTA identity theft provisions. Failure to comply will result in immediate escalation to the CFPB, the FTC, and the California Department of XXXX XXXX XXXX XXXX ( XXXX ), as well as pursuit of all available consumer rights under federal law. 
Please send written confirmation once these fraudulent accounts have been fully and permanently removed from all three of my credit reports. 
Sincerely, XXXX 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