Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject

: Formal Dispute of Inaccurate Information & Request for File Block Under FCRA 605B ( 15 USC 1681c-2 ) To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by Experian. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 USC 1681c-2 ), I am requesting that you block or remove the disputed accounts immediately due to my personal information being compromised in multiple data breaches. According to FCRA 605B, when a consumer provides appropriate proof of identity and a police report or other official documentation indicating that they have been a victim of identity theft, the credit reporting agency must block the reporting of any information resulting from the identity theft within four business days of receiving such a request. I have included the necessary documentation to support my claim, including a copy of my identity theft report and proof of breaches where my information was exposed. PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION ON MY CREDIT REPORT : Accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Date opened : {$14000.00} Balance : XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$780.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX : XX/XX/XXXX Additionally, I am invoking my rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ) as follows : FCRA 611 ( 15 USC 1681i ) : Requires credit bureaus to investigate disputed information and remove unverifiable, inaccurate, or incomplete records within 30 days.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) : Mandates that credit bureaus maintain maximum possible accuracy in consumer files.

FCRA 609 ( 15 USC 1681g ) : Grants me the right to full disclosure of all data being reported about me.

Furthermore, there have been multiple lawsuits filed against credit bureaus for non-compliance with FCRA regulations, including : Ramirez v. TransUnion ( 2021 ) : Where TransUnion was found liable for failing to ensure accurate reporting and for not providing consumers with proper disclosures.

Federal Trade Commission v. Equifax ( 2019 ) : Resulting in a {$700.00} XXXX settlement due to a failure to secure consumer data.

Recent Lawsuits & Class Actions : Ongoing cases against Experian, XXXX, and XXXX  for failure to properly investigate disputes and comply with consumer protection laws.

I demand that you take immediate action to rectify these inaccuracies, block the fraudulent accounts, and provide me with a revised credit report reflecting these corrections. If you fail to comply within the required timeframe, I will pursue legal action if necessary. As I have escalated this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX  & the state attorney general.

Please provide written confirmation that my dispute has been processed and that the requested changes have been made. I expect a response within the legally mandated period.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : Copy of Government-Issued ID Identity Theft Report Proof of Data Breaches

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