Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XX/XX/XXXX TO : XXXX. XXXX XXXX XXXX GA XXXX RE : Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts Dear Sir or Madam : I am writing to formally dispute several fraudulent accounts appearing on my credit report as a direct result of my personally identifiable information being compromised in the widely publicized Equifax data breach of XXXX, among other breaches. I am a documented victim of this breach, which exposed sensitive data such as Social Security numbers, birth dates, and credit account details for over XXXX million Americans.

1 of 8 I am asserting my rights under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. The FCRA mandates that consumer reporting agencies must block fraudulent information within four ( 4 ) business days of receiving appropriate proof of identity theft. 
Accounts to be Removed ( due to identity theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are fraudulent and were not opened by me. They have negatively impacted my credit standing, caused me significant stress, and continue to interfere with my ability to obtain credit, housing, and employment. 
As referenced in In re Equifax XXXX Inc., Customer Data Security Breach Litigation, 999 F.3d 1247 ( 11th Cir. 2021 ), the courts have recognized the legitimacy of consumer claims related to identity theft stemming from data breaches. Furthermore, the CFPB has established a duty to investigate consumer complaints and enforce corrective action under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Enclosed/Attached : 2 of 8 Copy of government-issued ID Copy of Social Security Card FTC Report DEMAND FOR ACTION : Pursuant to the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), I am formally demanding that : 1.

2.

3. 
The above-listed fraudulent accounts be permanently deleted from my credit file within 4 business days of receipt of this letter.

Written confirmation of the deletions be sent to me immediately upon completion of the investigation.

No reinsertion of said accounts may occur without prior written notice and full documentation as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to comply will result in a formal complaint to the Federal Trade Commission ( FTC ), State Attorney General, and pursuit of legal remedies under FCRA 1681n & 1681o, which allow for actual damages, punitive damages, and attorneys fees. 
Thank you for your prompt attention to this matter. I expect your full cooperation in correcting my credit file to reflect accurate and lawful information. 
3 of 8 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