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: NJ

Complaint narrative:
I am writing in response to your recent reply regarding my identity theft dispute submitted via the CFPB Complaint Portal. Unfortunately, I am deeply dissatisfied with the handling of my case. I reported fraudulent and unauthorized credit inquiries and accounts that have appeared on my credit reportyet your investigation has resulted in a refusal to remove these items, despite the fact that I clearly indicated these are due to identity theft and were not initiated or authorized by me. 

Let me reiterate the fraudulent items currently affecting my credit file : XXXX. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent Account : XXXX XXXX Opened : XX/XX/year> Closed : XX/XX/year> Balance : {$2200.00} Your response stated that inquiries are a matter of fact and not routinely removed. However, I am not making a routine disputeI am reporting fraud. I was the victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am entitled to have all information resulting from identity theft blocked from my credit report within XXXX business days of providing the necessary documentation.

Per the FCRA : 15 U.S. Code 1681c2 ( Section 605B ) A consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : Proper proof of the consumers identity, A police report or FTC Identity Theft Report, The identification of the fraudulent information, and A statement from the consumer that the information is not related to any transaction they made. 

I am not required to contact the creditors directly when it comes to blocking fraudulent information from my file. That responsibility lies with you under federal law once I submit the necessary identity theft documentation. 

If you continues to retain and report these fraudulent inquiries and accounts, despite my clear dispute and supporting documentation, it may be in violation of the FCRA and subject to enforcement actions by the CFPB and FTC. I request the immediate deletion of : All unauthorized hard inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and XXXX XXXX The fraudulent XXXX account showing a {$2200.00} balance. 

I also request a written confirmation of these deletions within XXXX calendar days of receipt of this letter. I am fully prepared to escalate this matter further, including submitting additional complaints to the CFPB, FTC, and State Attorney Generals Office, should this request be ignored. 

Please take this matter seriously. The continued reporting of fraudulent activity is causing me significant harm and distress. If additional documentation is needed, I am more than willing to provide it.

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