Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) for the immediate DELETION of all fraudulent accounts mentioned in this complaint.

I hereby submit this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by Experian and XXXX XXXX. Despite previous requests to correct this situation, these violations continue to negatively affect my credit report and financial standing. 

I am writing to dispute inaccurate information listed on my credit report pursuant to 15

U.S.C. 1681c-2, and to formally request that this erroneous information be blocked. Enclosed is a copy of my police report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim.

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified as resulting from identity theft within FOUR ( 4 ) business days.

Therefore, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you, the credit reporting agency Experian, block the information that appears on my credit report as a result of identity theft and fraud within four ( 4 ) business days of receiving this complaint.

This fraudulent, inaccurate, and false information corresponds to a personal loan account opened under the name XXXX XXXX, with account number XXXX. This account has led to the appearance of several fraudulent accounts on my FICO consumer credit report. I have attached documentation regarding the FRAUDULENT ACCOUNT in question, as well as a copy of the FICO report maintained by your agency reflecting the fraudulent item. I REQUEST THAT THIS ACCOUNT BE IMMEDIATELY REMOVED.

I do not recognize the aforementioned account. This account, which appears on my credit report maintained by you, was not opened, requested, or authorized by me. It is the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ), as official proof issued by the Federal Trade Commission, confirming that this account was created as a result of identity theft. 

I did not authorize the use or disclosure of my private personal information, nor did I consent to its reporting. I was not provided with the proper disclosures or given the option to opt out. Reporting information without consent constitutes fraud under 15 U.S. Code 1981b2 Permissible Purposes, and also violates my privacy rights under 15 U.S.C. 1681a ( 4 ).

Therefore, this account must be blocked or deleted immediately from my credit report, pursuant to FCRA 605B.

This is to formally notify you that I have been a victim of identity theft. I have contacted the Federal Trade Commission ( FTC ) and filed a complaint, which is enclosed for your reference. My credit report contains a fraudulent account that is in no way associated with me.

All necessary documentation is included in this package, and copies have also been sent to your agency via fax and certified mail.

In addition, I request the immediate removal of the fraudulent account listed below. 

ACCOUNT TO BE DELETED : 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