Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Urgent Identity Theft Block Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear TransUnion, Equifax, and Experian, This is a formal request and complaint pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I am demanding that your agencies immediately and permanently block the following fraudulent, inaccurate, and identity theft-related information from my consumer credit file within four ( 4 ) business days of receipt of this notice and supporting documentation. 

The fraudulent accounts that were not opened, authorized, or initiated by me include : XXXX XXXX, Account # XXXX, Balance : {$490.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX, Account # XXXX, Balance : {$260.00}, Opened : XX/XX/XXXX XXXX XXXX Account # XXXX, Balance : {$490.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account # XXXX, Balance : {$440.00}, Opened : XX/XX/XXXX Also, the following unauthorized hard inquiries must be blocked and removed, as they are also a result of 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 XXXXXXXX XXXX These entries have appeared on my credit report without my knowledge or consent. I have never conducted business with these entities, and I did not authorize any of these accounts or inquiries. 

FCRA 605B Requirements : Under FCRA 605B, you are legally required to block any information that I identify as resulting from identity theft within four ( 4 ) business days of receiving : A copy of a valid identity theft report ( FTC Criminal Complaint # [ XXXX ] ) Proper proof of identity Identification of the fraudulent information A statement from me that the accounts, inquiries, and collections were not made by me I have enclosed the following supporting documentation for your compliance : A copy of my FICO credit report highlighting the disputed fraudulent items A list of the unauthorized hard inquiries A copy of the FTC Identity Theft Report ( Criminal Complaint # [ Private Case Number ] ) A copy of my government-issued ID and proof of address I am asserting my rights under federal law and expect full compliance with FCRA 605B. Please provide written confirmation of your action to block and remove the fraudulent items from my credit report. 

If you fail to comply with the law, I reserve the right to take further legal action and file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this serious 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