Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX. XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Identity Theft Dispute Request for Permanent Deletion of Fraudulent XXXX  XXXX Accounts Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and ownership of the following two accounts currently reporting on my Equifax credit report : 1. XXXX XXXX XXXX XXXX Balance : {$150.00} 2. XXXX XXXX Balance : {$560.00} I do not recognize these accounts as being mine, nor did I authorize their opening. These accounts are highly likely to be the result of identity theft. While I have held XXXX XXXX accounts in the past, I paid them off in full and closed them responsibly. I have never left a balance or allowed an account to become delinquent. The two accounts listed above do not reflect my actual credit activity, history, or financial behavior.

To support this dispute, I am including the following documentation : A completed FTC Identity Theft Affidavit A copy of my government-issued identification A copy of my Social Security card A copy of my recent utility bill for address verification A police report documenting the identity theft Applicable FCRA Consumer Protection Laws : 15 U.S.C. 1681e ( b ) Equifax is required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer credit files. These unverified and unauthorized accounts are false and misleading.

15 U.S.C. 1681i Equifax must reinvestigate disputed items and delete any information that can not be verified within 30 days.

15 U.S.C. 1681c-2 ( FCRA 605B ) Equifax must block identity theft-related information from a consumers credit file within four business days of receiving proper documentation.

15 U.S.C. 1681b All data reported must have a permissible purpose. These accounts were not authorized and therefore do not qualify under this provision.

My Formal Requests : Immediately initiate a reinvestigation into the two XXXXXXXX XXXX accounts listed above. 
Permanently delete both accounts from my Equifax credit report, as they were not opened or authorized by me. 
Block these accounts from any future reinsertion unless Equifax receives full, original documentation proving that I opened these accounts, per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide me with written confirmation of the reinvestigation results and any changes made to my credit file.

These fraudulent accounts are damaging my credit profile and causing me undue hardship. If Equifax fails to take appropriate and timely action, I will be forced to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider seeking legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your immediate attention to this matter. I expect a full and lawful resolution within the timeframe mandated by the Fair Credit Reporting Act. 

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