Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Formal Identity Theft Dispute Under FCRA 605B Unauthorized Accounts and Privacy Violations To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 U.S.C. 1681c-2 ), regarding fraudulent and unauthorized information being reported on my credit file. 



The information being reported by your agency includes accounts and/or inquiries that I did not authorize, initiate, or open. I never provided consent for these institutions to access, share, or report my personal information. 



Under federal law, including the FCRA, consumers have the right to block and remove any information resulting from identity theft or unauthorized activity. I am hereby requesting that the accounts listed below be blocked and permanently deleted from my credit profile. 



Enclosed is a copy of my official Identity Theft Report filed with the Federal Trade Commission ( FTC Report Number : [ XXXX ], along with proper identification to support my claim. 



Please be advised that the continued reporting of these accounts without my consent constitutes a violation of federal law, and I reserve the right to pursue further legal action if this matter is not resolved within the timeframe mandated by the FCRA ( within four business days upon receipt of this dispute ).

The following accounts and/or inquiries are fraudulent and unauthorized : FRAUDULENT ACCOUNTS TO BE REMOVED : XXXX. [ XXXX XXXX ] - [ account # XXXX ] [ open day XX/XX/XXXX ] XXXX. [ XXXX XXXX ] [ account # XXXX ] [ open day XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX ] [ account # XXXX ] [ open day XX/XX/XXXX ] ( IMMEDIATELY DELETE FRAUDULENT INQUIRIES ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Thank you for your immediate attention to this matter. 
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