Consumer complaint received 2025-08-30 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 XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL DISPUTE & DEMAND FOR DELETION OF FRAUDULENT ACCOUNT IN ACCORDANCE WITH FCRA 611 & FACTA 605B Acct. No. : XXXX Furnisher : XXXX XXXX XXXX XXXX. 

To the Consumer Dispute Departments of Experian and TransUnion : I am writing to dispute a fraudulent account on my credit report and to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). This letter is a formal demand for the immediate, permanent deletion of the following account, which is the direct result of criminal identity theft. 

Account in Dispute : XXXX : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Type : Mortgage This is not my account. I have never applied for, opened, been granted, or been obligated to pay on this mortgage account. 

The existence of this account is a direct consequence of my personal information being compromised in two catastrophic data breaches : 1. The XXXX  Data Breach of XXXX, in which my highly sensitive personal data, including my Social Security Number, was exposed.

2. The National Public Data Breach, where a confirmed search of my Social Security Number ( XXXX ) proves my data is actively circulating on the dark web and has been used for fraudulent purposes. 

Confirmation of Fraud : I have already contacted the furnisher, XXXX XXXX XXXX XXXX. I spoke with an account XXXX identified as " XXXX '' on [ Insert Date of Call ]. After I provided my personal information to verify my identity, he confirmed that this account was fraudulent and did not belong to me. This is a clear admission from the furnisher that they are reporting inaccurate information.

Legal Demands : Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a free, reasonable reinvestigation of this disputed item within 30 days. Given the furnishers own confirmation that this account is fraudulent, any reinvestigation must conclude that this item is inaccurate.

Furthermore, under FACTA 605B, I am entitled to have a block placed on this fraudulent information. As I am providing an identity theft report ( my FTC Identity Theft Affidavit is attached ) and clearly identifying the fraudulent information, you are required to block this account from my credit file within XXXX ( XXXX ) business days and promptly notify the furnisher, XXXX XXXX XXXX XXXX, of the block. 

I demand that you permanently delete this account from my credit file. Re-inserting this fraudulent information after it has been deleted, as provided under FCRA 611 ( a ) ( 5 ) ( B ), is illegal unless you take specific, stringent steps which, given the confirmed fraudulent nature of this account, would be impossible to satisfy.

Failure to comply with these mandates constitutes a willful violation of the FCRA and FACTA, subjecting your agencies to significant statutory damages, actual damages, and punitive damages per FCRA 616 & 617.

Enclosed please find the following supporting documentation : Copy of my FTC Identity Theact Affidavit ( FTC Report No : XXXX Copy of my proof of identity and proof of address. 
Copy of the XXXX XXXX XXXX XXXX search result confirming my SSN 's exposure.

You must correspond with me only at the address provided above. 

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