Consumer complaint received 2025-04-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : FCRA Compliance Dispute Regarding Identity Theft and Fraudulent Accounts Dear Sir or Madam, I am writing to formally dispute and request the removal of multiple fraudulent accounts and inaccurate personal information currently appearing on my credit reports, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 609. I have been a victim of identity theft and have attached my Identity Theft Report filed with the Federal Trade Commission ( FTC ) as evidence. 

Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Statement of Identity Theft : My identity was compromised as a result of the XXXX Equifax data breach, and I believe it is connected to the fraudulent activity I am currently experiencing. In addition, I lost my wallet several years ago, which may have further exposed my personal information. I recently discovered multiple unauthorized accounts and credit inquiries on my credit reports that I did not initiate or authorize. 

The following fraudulent accounts were opened without my consent : XXXX  XXXX Account Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$1100.00} XXXX XXXX Account Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$5800.00} Fraudulent Information on My Credit Reports : In addition to the accounts listed above, I have noticed inaccurate personal details associated with my credit file, including but not limited to : Incorrect or unfamiliar addresses Unauthorized employment listings Name variations I have never used Social Security number inconsistencies I also identified unauthorized credit inquiries from institutions including XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX which I did not initiate or authorize. 

Statement of Legal Basis : Under the Fair Credit Reporting Act, particularly : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( 5 ) : If disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, it must be promptly deleted or modified, and the furnisher of the information must be notified.

Statement of Accuracy : Under penalty of perjury, I affirm that the information provided in this dispute is true and accurate to the best of my knowledge. I understand that any false claims may carry legal consequences.

Action Requested : Please investigate the fraudulent and inaccurate accounts and personal information listed above. In compliance with the FCRA and applicable state law, I request : The permanent removal of all fraudulent accounts and inquiries Correction of inaccurate personal data associated with my credit profile A written response detailing the results of your investigation A corrected copy of my credit report Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require additional information or documentation. 

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