Consumer complaint received 2025-09-09 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, 2025 Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts from Data Breaches To Whom It May Concern, I am writing to dispute several fraudulent accounts that are currently reporting on my credit files with Experian, Equifax, and TransUnion. My name and personal information were compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach, which has resulted in identity theft and the appearance of accounts that I never opened or authorized.

The following accounts are fraudulent and must be permanently deleted : XXXX XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$3500.00} I have never applied for, opened, or authorized these accounts. I have no contractual or financial relationship with any of these entities. Their continued presence on my credit reports is inaccurate, misleading, and harmful to my creditworthiness.

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am asserting my rights under : 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

1681s-2 ( a ), which prohibits furnishers from reporting data they know, or reasonably should know, is inaccurate.

Under the Fair and Accurate Credit Transactions Act ( FACTA, 15 U.S.C. 1681c-2 ), I am entitled as an identity theft victim to block fraudulent information from appearing on my credit reports once proper documentation is provided.

Additionally, if any of these debts are being pursued by third-party collectors, those entities must comply with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Specifically, 1692e prohibits false or misleading representations, and 1692g requires proper debt validation before any collection activity may occur. Attempting to collect on fraudulent accounts without validation constitutes a violation of federal law.

Accordingly, I am demanding the immediate and permanent deletion of all four fraudulent accounts from my Experian, Equifax, and TransUnion credit files. If any of these accounts are deleted and later reinserted, the bureaus are obligated under FCRA 1681i ( a ) ( 5 ) ( B ) to notify me in writing within five business days, including the name and contact information of the furnisher who verified the reinsertion. Any failure to comply will be treated as willful noncompliance.

For accountability and oversight, I have copied the Consumer Financial Protection Bureau ( CFPB ) on this dispute to ensure that all parties involved comply with their federal obligations.

Enclosed are copies of my government-issued identification, proof of residency, and my FTC Identity Theft Affidavit for verification purposes.

I expect a prompt investigation and written confirmation once these fraudulent accounts have been permanently deleted from my credit reports. 
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