Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I am submitting this formal request in accordance with the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c2 ( FCRA 605B ), to demand the immediate and permanent blocking of the following items from my credit file. These accounts, inquiries, addresses, and employment records are the result of identity theft.

As required under 605B ( b ), I am enclosing all relevant documentation, including a government-issued photo ID, a proof of address, and a valid identity theft report as defined in 603 ( q ).

Fraudulent accounts to be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries on Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Fraudulent employer : XXXX Attached documents : Identity Theft Report ( as defined by FCRA 603 ( q ) ) Government-issued identification Proof of current address Statement identifying and disputing the fraudulent information Legal obligations : Under FCRA 605B ( c ) ( 1 ) : " A consumer reporting agency shall block the reporting of any information in the consumers file that the consumer identifies as resulting from identity theft, not later than 4 business days after receiving such a request and documentation. '' Under 605B ( d ) ( 1 ) : " A consumer reporting agency shall promptly notify the furnisher of the information that the information may be the result of identity theft. '' Under 605B ( e ) : " The agency shall not resubmit the blocked information to any furnisher unless material evidence is provided showing that the block was made in error. '' Additional legal duties imposed on your agency : FCRA 607 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures to ensure compliance with the provisions of this subchapter. '' Failure to block the fraudulent data within the required timeframe indicates a lack of internal compliance systems.

FCRA 610 ( a ) : " Every consumer reporting agency shall maintain reasonable procedures designed to permit the consumer to obtain information in the consumers file and to correct any information that is incomplete or inaccurate. '' Refusing to process my identity theft request constitutes a violation of this provision.

FCRA 602 ( a ) ( 1 ) and ( a ) ( 4 ) : " ( 1 ) The banking system is dependent upon fair and accurate credit reporting... ( 4 ) There is a need to ensure that [ CRAs ] exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Your continued reporting of fraudulent information violates the purpose and intent of the FCRA.

Notice : This letter serves as formal notice. If this request is not acted upon within 4 business days of receipt, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and will consider civil action under FCRA 616 and 617 for damages and attorney fees.

This is a legal demand. Not a request. I expect full compliance without delay.

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