Consumer complaint received 2024-12-18 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, FL XXXX XXXX XXXX [ XX/XX/year> ] Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request to Block Items on Credit Report Due to Identity Theft Dear Experian Consumer Services, I am writing to provide the additional documentation requested by Experian XXXX the email sent to me on Tuesday, XX/XX/year>, at XXXX XXXX  PST to my email address XXXX, in response to my initial request to block items on my credit report due to identity theft. This initial request was sent to Experian on XX/XX/year>, by certified mail with return receipt number XXXX, and also through the CFPB on XX/XX/year>, complaint number XXXX. 

I have included the necessary documents to support my claim, as requested by Experian : Official Identity Theft Report : A copy of the official identity theft report filed with the Federal Trade Commission ( FTC ). 

Confirmation Email : The confirmation email from the FTC indicating receipt of my identity theft report. 

Personal Information : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Complete addresses for the past XXXX years : XXXX XXXX XXXX, XXXX XXXX FL XXXX Date of Birth : XXXX Government-Issued ID : A copy of my government-issued identification card ( driver 's license ). 

Proof of Current Address : A copy of a current utility bill showing my name and current address. 

I am filing this FTC identity theft affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize and are the result of identity theft. These accounts include : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Additionally, these accounts do not link to any of my previous or past addresses.

I demand that these fraudulent items be removed from all of my consumer credit reports and that all collection activity related to these items cease, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, 15 U.S. Code 1681c-2, consumers have the right to request that items resulting from identity theft be blocked from their credit report. The FCRA requires credit reporting agencies to block such items upon receipt of appropriate documentation. Additionally, 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that consumers be provided with a description of the procedure used to determine the accuracy and completeness of the information, including contact details for any furnisher of information and the right to request all relevant documentation.

I respectfully request that Experian proceed with blocking the disputed items on my credit report as they resulted from identity theft, using the requested documents that were provided to Experian.

Failure to comply with these requests could result in Experian being in violation of the FCRA. Under 15 U.S. Code 1681n and 15 U.S. Code 1681o, consumers have the right to take legal action against credit reporting agencies that fail to comply with their obligations. This can include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages through a lawsuit. 

If further information or clarification is needed, please do not hesitate to contact me at [ r Phone NumberXXXX ] or [ Email XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX please see attached for detailed

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