Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts Resulting from Data Breaches ( Demand for Permanent Deletion ) To Whom It XXXX Concern, I am writing to formally dispute multiple fraudulent accounts currently reporting on my Experian, Equifax, and TransUnion credit reports. These accounts were opened without my knowledge, consent, or authorization. I never provided written or verbal permission to any of the companies listed below to obtain or use my personal information to apply for credit. 
After conducting a thorough review of my credit reports, I discovered several accounts that I did not open and have no affiliation or business relationship with. Based on my investigation, these fraudulent accounts are the direct result of identity theft, as my personal information was compromised in multiple major data breaches, including : The National Public Data Breach The Equifax Data Breach The TransUnion XXXX Breach These breaches have severely compromised my personal information, exposing my identity to unauthorized use and fraud. 
Fraudulent Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$550.00} Each of these accounts was fraudulently opened in my name without authorization. I am enclosing my FTC Identity Theft Report, police report, government-issued ID, and proof of address to verify my identity and to confirm that these accounts were not initiated or approved by me. 
Violations of Federal Law Your continued reporting of these fraudulent accounts constitutes violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). Specifically : FCRA 1681i ( a ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed information and delete unverifiable or inaccurate data within 30 days.

FCRA 1681e ( b ) Requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. Reporting accounts not belonging to me is a clear violation.

FACTA 605B ( 15 U.S.C. 1681c-2 ) Requires bureaus to block and permanently delete information resulting from identity theft upon receipt of sufficient proof, including an FTC ID Theft Affidavit.

FCRA 611 ( a ) ( 5 ) ( B ) Once information has been deleted due to fraud, it can not be reinserted unless full verification and written notice are provided to the consumer.

FCRA 616617 ( 15 U.S.C. 1681no ) Establishes civil liability for credit bureaus and furnishers who willfully or negligently fail to comply with the law.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits any debt collector from using false, deceptive, or misleading representations to collect a debt.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires debt collectors to cease reporting and verify any disputed debts before taking further action.

Demand for Immediate Action Pursuant to these laws, I am demanding that Experian, Equifax, and TransUnion immediately : Permanently delete and block the fraudulent accounts listed above from my credit reports.

Provide written confirmation that these accounts have been deleted and will not be reinserted in the future.

Supply documentation or verification provided by any creditor or collector claiming ownership of these accounts.

Cease all reporting activity related to these fraudulent accounts until a lawful investigation is completed.

If these fraudulent accounts are not deleted within the statutory XXXX period, I will escalate this matter to the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office for enforcement and possible civil action under FCRA XXXX XXXX 
Government Shutdown & Urgency Given the current federal government shutdown, I demand that this matter be resolved expeditiously and in good faith. The shutdown does not excuse your legal obligations under federal law. The longer these accounts remain, the greater the damage to my credit and reputation. Immediate corrective action is required to prevent ongoing financial harm.

Conclusion This letter serves as my formal identity theft dispute under FCRA 611 and FACTA 605B. I have provided ample documentation to verify my identity and to prove that these accounts were fraudulently opened.

Please treat this as a priority dispute and confirm in writing once all fraudulent accounts have been permanently deleted and blocked from future reporting.

Failure to comply within the statutory time frame will result in immediate escalation to the CFPB, FTC, and legal counsel for enforcement action. 
Sincerely, XXXX 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