Consumer complaint received 2025-12-27 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:
Re : DEMAND FOR IMMEDIATE DELETION/BLOCK OF FRAUDULENT ACCOUNTS IDENTITY THEFT Fraudulent Accounts Reporting : XXXX XXXX XXXX XXXXXXXX Reported Balance : {$470.00} XXXX XXXX XXXX Reported Balance : {$650.00} XXXX XXXX XXXX Reported Balance : {$820.00} XXXX XXXX XXXX Reported Balance : {$820.00} XXXX XXXX XXXX  Reported Balance : {$1000.00} To Whom It May Concern : I am writing to formally dispute and demand the immediate deletion and statutory blocking of the above-referenced accounts currently reporting on my Experian, Equifax, and TransUnion consumer credit reports . None of these accounts belong to me. I did not apply for, authorize, consent to, or receive any benefit from these accounts. Each account listed above is the direct result of identity theft.

I have filed an FTC Identity Theft Affidavit pursuant to the Fair and Accurate Credit Transactions Act ( FACTA ), which legally establishes that these accounts were opened and/or used without my knowledge or authorization. A copy of my
FTC Identity Theft Affidavit is enclosed as required by federal law.

I recently learned that my personal identifying information was compromised in multiple confirmed data breaches, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax data breach, and TransUnion data breach. These breaches materially increase the likelihood of identity theft and unauthorized account activity using my information.

Under the Fair Credit Reporting Act ( FCRA ) and FACTA, including but not limited to 15 U.S.C. 1681a, 1681b, 1681c-2, 1681e ( b ), 1681i, 1681s-2, and 15 U.S.C. 5118, consumer reporting agencies are prohibited from reporting information that results from identity theft, lacks permissible purpose, or can not be verified with competent and reliable evidence.

Pursuant to 15 U.S.C. 1681c-2, upon receipt of a valid identity theft report, you are required to block the reporting of information resulting from identity theft within four ( 4 ) business days. Continued reporting of any of the accounts listed above after receipt of my FTC affidavit constitutes willful noncompliance with federal law.

Additionally, under 15 U.S.C. 1681b, there is no permissible purpose for the continued reporting or furnishing of these accounts. Any reinvestigation that relies solely on automated responses, internal databases, or unsupported furnisher assertions fails the reasonable reinvestigation standard mandated by 15 U.S.C. 1681i.

These accounts are inaccurate, unverifiable, incomplete, and unlawfully reported. You are hereby directed to permanently delete and block all fraudulent accounts listed above from my credit file across Experian, Equifax, and TransUnion.

Failure to immediately comply will constitute violations of 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ), subjecting you to statutory damages, actual damages, attorneys fees, and all available civil remedies. I am documenting this dispute and preserving my rights, including escalation to the CFPB and other regulatory authorities.

I demand written confirmation that all fraudulent accounts listed above have been permanently deleted and blocked from my credit reports. No further contact is authorized except written confirmation of compliance. 
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