Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
FRAUD BLOCK & IDENTITY THEFT NOTICE Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Experian Subject : URGENT FRAUD BLOCK & IDENTITY THEFT AFFIDAVIT THIRD ATTEMPT INVESTIGATION Creditor/Furnisher : XXXX XXXX XXXX Reporting Party : XXXX XXXX XXXX XXXX CRA division ) Dear XXXX Representative XXXX This letter serves as my third formal attempt to notify you that the account being reported by XXXX XXXX XXXX is the result of identity theft and fraud. I did not authorize, open, or receive any benefit from this account. The reported balance of {$6500.00} is fraudulent and must be blocked and permanently removed from all of my credit files and consumer reporting databases.

I am exercising my rights under : 15 U.S.C. 1681c-2 ( FCRA 605B ) Mandatory Fraud Block 15 U.S.C. 1681i ( a ) ( XXXX ) Duty to Delete or Modify Inaccurate Information After Reinvestigation This account was opened or used without my knowledge or consent. I am a victim of identity theft. 

Under federal law, XXXX is required to : Block the fraudulent information within five ( 5 ) business days, Conduct a lawful and complete reinvestigation, and Provide written confirmation of deletion and/or corrective actions.

Failure to comply is a violation of the Fair Credit Reporting Act and exposes your organization to civil liability, including statutory damages, punitive damages, and attorneys fees. Continued reporting of fraudulent data after notice constitutes willful noncompliance. 

IDENTITY THEFT AFFIDAVIT Victim Name : 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 Amount : {$6500.00} Nature of Dispute : Fraudulent Account / Identity Theft Block Legal Basis : FCRA 605B, 1681i ( a ) ( 5 ) DEMAND FOR REMOVAL + NOTICE OF FINES This is an official demand for immediate deletion of all fraudulent data being reported.

Noncompliance may result in enforcement remedies including : Statutory penalties up to {$1000.00} PER violation, Civil penalties up to {$10000.00}, Additional damages under FCRA 616 and 617. 

Because this is my third documented dispute, your failure to act will constitute willful negligence under federal law. 

REQUIRED ACTION Please send written confirmation that : The fraudulent account has been blocked, The information has been permanently deleted under 1681i ( a ) ( 5 ), No reinsertion will occur without full compliance with FCRA reinsertion procedures ( 611 ).

Thank you for your prompt cooperation and compliance with federal identity theft protections. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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