Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
RE : IDENTITY THEFT DISPUTE - DEMAND FOR INVESTIGATION AND BLOCKING Consumer : XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> Address : XXXX Breeze Overlook XXXX, GA XXXX CERTIFIED MAIL XXXX RETURN RECEIPT REQUESTED Dear Credit Reporting Agency, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft. This letter serves as my official dispute under the Fair Credit Reporting Act ( FCRA ) and demand for immediate action. 

IDENTITY THEFT NOTIFICATION I am a victim of identity theft. The following accounts were opened fraudulently without my knowledge, consent, or authorization : Under the Fair Credit Reporting Act ( FCRA ), specifically : 1. * * 15 U.S.C. 1681i ( Section 611 ) * * - You are required to conduct a reasonable investigation of disputed information within 30 days of receipt of this dispute.

2. * * 15 U.S.C. 1681c-2 ( Section 605B ) * * - Upon receipt of identity theft documentation, you must block the reporting of fraudulent information resulting from identity theft within 4 business days.

3. * * 15 U.S.C. 1681e ( b ) ( Section 607 ( b ) ) * * - You must follow reasonable procedures to assure maximum possible accuracy of consumer information. 

DEMANDS FOR ACTION I hereby demand that you : XXXX. * * IMMEDIATELY BLOCK * * all fraudulent accounts listed above within XXXX business days as required under FCRA Section 605B XXXX. * * CONDUCT FULL INVESTIGATION * * of all disputed items within 30 days XXXX. * * REMOVE ALL FRAUDULENT ENTRIES * * from my credit file permanently XXXX. * * PROVIDE WRITTEN CONFIRMATION * * of all actions taken XXXX. * * SEND UPDATED CREDIT REPORT * * showing removal of fraudulent accounts SUPPORTING DOCUMENTATION Enclosed please find : Copy of Police Report ( Identity Theft Report ) FTC Identity Theft Affidavit ( Form 14039 ) Copy of Driver 's License Proof of Address [ Other supporting documents ] ARBITRATION NOTICE Please be advised that any failure to comply with FCRA requirements may result in legal action. I reserve all rights under federal and state law, including but not limited to : Actual damages under 15 U.S.C. 1681o Statutory damages of $ 100- {$1000.00} under 15 U.S.C . 1681n Punitive damages for willful non-compliance Attorney fees and costs under 15 U.S.C. 1681o ( a ) ( 2 ) Should disputes arise from your handling of this matter, I elect to resolve such disputes through binding arbitration in accordance with the rules of the XXXX XXXX XXXX, with venue in [ YOUR COUNTY/STATE ]. 

COMPLIANCE TIMELINE This letter constitutes formal notice under the FCRA. You have : * * 4 BUSINESS DAYS * * to block fraudulent accounts ( FCRA 605B ) * * 30 DAYS * * to complete investigation and provide results ( FCRA 611 ) Failure to comply within these timeframes will result in immediate legal action for FCRA violations. 

RECORD KEEPING NOTICE This dispute is being sent via certified mail to establish a clear XXXX XXXX. I will maintain copies of all correspondence and expect full compliance with federal law. 

I expect your immediate attention to this serious matter. Please confirm receipt of this letter and provide a timeline for resolution. 

Sincerely, -- - IMPORTANT LEGAL DISCLAIMERS : This letter is for legitimate identity theft disputes only All claims must be truthful and supported by documentation Consult with an attorney for complex cases Keep copies of all correspondence Send via certified mail with return receipt -- - FOLLOW-UP ACTIONS : 1. File police report if not already done 2. Complete FTC Identity Theft Affidavit 3. Contact creditors directly 4. Monitor credit reports regularly 5. Consider credit monitoring services File Type docx Folder Path Legal Documents/Credit Disputes Perfect! I'll help you draft a legitimate identity theft dispute letter that properly invokes FCRA protections. Let me create a comprehensive letter that includes all the necessary legal components. Great! I'll draft a comprehensive identity theft dispute letter for you. Here 's a professional template that includes all the necessary FCRA protections and legal requirements : IDENTITY THEFT DISPUTE LETTER [ Date ] TO : Experian, Equifax, Transunion RE : Identity Theft Dispute - Demand for Investigation and Blocking Under FCRA XXXX MAIL - RETURN RECEIPT REQUESTED Dear XXXX, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of identity theft. This letter serves as my official dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
IDENTITY THEFT NOTIFICATION I am a victim of identity theft. Enclosed/attached is a copy of my identity theft report filed with and my Federal Trade Commission XXXX XXXX XXXX XXXX 
FRAUDULENT ACCOUNTS TO BE BLOCKED AND REMOVED : [ List specific accounts with account numbers, creditor names, and amounts ] LEGAL DEMANDS UNDER FCRA : XXXX. BLOCKING REQUIREMENT ( FCRA XXXX ) Under XXXX U.S.C. XXXX, you are XXXX to block the reporting of any information that resulted from identity theft within XXXX business days of receiving this notice and supporting documentation. 
XXXX. INVESTIGATION REQUIREMENT ( FCRA XXXX ) Under XXXX U.S.C. XXXX, you must conduct a reasonable investigation of these disputed items within 30 days and remove any information that can not be verified as accurate. 
XXXX. NOTICE TO FURNISHERS ( FCRA XXXX ) You must notify all furnishers of these accounts that they are disputed as fraudulent identity theft accounts. 
ARBITRATION NOTICE : Any disputes arising from your failure to comply with FCRA requirements XXXX be subject to binding arbitration as provided in applicable consumer agreements. However, FCRA violations XXXX also be pursued in federal court under XXXX XXXX. XXXX and XXXX. 
COMPLIANCE DEADLINE : You have XXXX business days from receipt of this letter to BLOCK these fraudulent accounts and 30 days to complete your investigation. Failure to comply will result in : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Reporting violations to the Federal Trade Commission XXXX legal action for willful non-compliance under FCRA XXXX and XXXX Seeking actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney fees REQUIRED RESPONSE : Please provide written confirmation that : All fraudulent accounts have been blocked Investigation has been completed Corrected credit reports have been sent to me All furnishers have been notified I expect your immediate compliance with federal law. Retain this letter and all supporting documentation in your files.

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