Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 Identity Theft and Credit Fraud Dear [ Credit Bureau Name / Fraud Department ] , I am writing to formally request the blocking of all information on my credit file resulting from fraudulent activity committed by a third party ( hereinafter referred to as the fraudulent pursuant ), as allowed under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Summary of Fraudulent Activity : I am a victim of identity theft and/or unauthorized use of my personal information. The following accounts and/or inquiries have been fraudulently reported to your bureau under my name : Creditor/Company Name : XXXX XXXXXXXX Account Number : [ Account Number ] Date Opened : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Date Opened : XX/XX/XXXX These accounts were not authorized by me, and I have never opened or used them. The fraudulent pursuant misused my identity, which has resulted in significant damage to my credit history and personal well-being. 
Legal Authority : Under 15 U.S.C. 1681c-2, I have the right to request that a consumer reporting agency block the reporting of any information that resulted from identity theft, provided that : A police report or identity theft report is submitted ; The consumer identifies the specific information to be blocked ; and The consumer affirms that the information is the result of fraud. 


This right is upheld in various legal precedents, including : XXXXXXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ) : The court affirmed the consumers right to have fraudulent information blocked upon proper request and documentation. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Reinforced the duty of consumer reporting agencies to ensure the accuracy of credit reports under the FCRA. 


Request and Documents Attached : Pursuant to the above law, I hereby request that your bureau : Block and remove the fraudulent information from my credit file ; Cease reporting this information to third parties ; Send confirmation once the fraudulent data has been removed. 


Attached documents : Identity theft report filed with [ Law Enforcement Agency Name ] ; Completed FTC Identity Theft Affidavit ( if applicable ) ; Government-issued ID ( e.g., drivers license ) ; Proof of address ( e.g., utility bill ) ; List of fraudulent items/accounts to be blocked.

I request that this matter be resolved within the required time period ( typically 4 business days after receiving all documentation, per 15 U.S.C. 1681c-2 ( c ) ). 
Please contact me at XXXX or XXXX if any additional information is needed. I appreciate your attention to this serious issue. 
Sincerely, 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