Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am writing to remove the following reports from my account. My name is XXXX XXXX, and I am a victim of Identity Theft. The accounts listed below need to be removed from my profile as it is both inaccurate and time crucial. I reported the theft of my identity to the Federal Trade Commissions and also enclosed copies of the FTC Identity Theft Affidavit. At this time please understand that this matter is urgent and should be handled with extreme time sensitivity. I urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 

Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$750.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$770.00} Account Name : XXXX  Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX Account number : XXXX Date Account was Opened : XX/XX/XXXX Balance : {$0.00} The following Inquiries are to be removed : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following Addresses are to be removed : XXXX XXXX XXXX XXXX XXXX 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 Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 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 by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any 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 action 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