Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX  To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute & Identity Theft Claim Fraudulent XXXX XXXX XXXX Account ( {$16000.00} ) To Whom It May Concern, I am a confirmed victim of identity theft, with my personal information compromised in the XXXX XXXX XXXX XXXX and the Equifax Data Breach. My full name, Social Security number, and other identifying information were unlawfully obtained, and I have reason to believe this information was used to fraudulently open an auto loan account in my name with XXXX XXXX XXXX in the amount of {$16000.00}. 

This account is not mine. I have never applied for, opened, authorized, or benefited from this loan. I have always paid my legitimate accounts in full and never incurred late payments. The presence of this fraudulent account on my Experian, Equifax, and TransUnion credit files is damaging to my creditworthiness and constitutes willful reporting of false information. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) consumer protection laws, I demand the immediate and permanent deletion of this account from all of my credit reports. The following laws apply to this dispute : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires consumer reporting agencies to block information resulting from identity theft upon receipt of an FTC Identity Theft Report.
15 U.S.C. 1681i Requires a reasonable reinvestigation of disputed information and mandates deletion if unverifiable.

15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in reporting.

15 U.S.C. 1681b Limits permissible purposes for furnishing consumer reports.

15 U.S.C. 1681n and 1681o Provides for liability for willful and negligent noncompliance.

FTC Identity Theft Rules ( 16 C.F.R. 603 ) Prohibits the continued reporting of accounts resulting from identity theft once proof is provided.

15 U.S.C. 45 ( a ) ( FTC Act ) Prohibits unfair or deceptive acts or practices in commerce. 
I have enclosed : My FTC Identity Theft Affidavit ; Government-issued photo identification ; Proof of address ; Supporting documentation regarding the data breaches in which my information was compromised. 
This letter serves as formal notice that you are in possession of unverified and fraudulent information. You are required to block and delete the XXXX XXXX XXXX account from my credit reports across all three major credit bureaus within the time frames mandated by law. 
Failure to comply will result in immediate complaints to the CFPB, FTC, and State Attorney Generals Office, as well as the initiation of legal action to recover statutory, actual, and punitive damages for your willful noncompliance. 

I expect written confirmation of the permanent deletion of this account from Experian, Equifax, and TransUnion within 15 days. 

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