Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am formally disputing and demanding the immediate blocking and permanent removal of fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act ) due to identity theft stemming from a known or suspected data breach. 

The following account ( s ) were fraudulently opened or used without my consent, and I am not legally or financially responsible for them : Creditor Name : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX  Legal Basis for My Request : 1. 15 U.S. Code 1681c2 ( FCRA Section 605B ) : You are required to block and remove any information resulting from identity theft within 4 business days of receiving : Proof of identity A FTC identity theft report A signed statement from the consumer A request to block the information 2. Federal Trade Commission Act ( FTC Act ) : Under the FTC Act, failure to take reasonable steps to protect consumer information and to correct inaccuracies may constitute unfair or deceptive practices, subject to enforcement by the Federal Trade Commission.

3. Equifax Data Breach : According to XXXXexass data breach notification law [ e.g., California Civil Code 1798.82, Texas Business & Commerce Code 521.053, etc. ], organizations are required to notify consumers of data breaches and assist in remediation. Since my personal data was likely compromised as part of such an incident, I am exercising my rights under both state and federal law to dispute and correct this matter immediately. 

Enclosed Documents : Government-issued ID Proof of address Copy of identity theft report Signed statement identifying these items as fraudulent My Demands : Block the fraudulent account ( XXXX ) listed above under 15 U.S.C. 1681c2 Permanently remove all associated negative information Cease reporting the account ( s ) to any third parties Provide me with an updated credit report reflecting these changes Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, along with consideration of legal remedies. 

Please confirm in writing within four ( 4 ) business days that the disputed data has been blocked and removed. 

Sincerely, XXXX XXXX XXXX : XX/XX/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