Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Oklahoma XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Comprehensive Identity Theft Dispute & Demand for Deletion All Accounts Where found in multiple Data Breaches To Whom It May Concern, This letter serves as an urgent and formal dispute regarding multiple fraudulent accounts appearing on my consumer credit file, which are a direct result of my personal identifying information being compromised in numerous data breaches. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand immediate and thorough investigation, followed by the permanent deletion of these accounts. 
My personal data has been extensively exposed in various documented data breaches. This has created a severe vulnerability to identity theft, which I now believe has materialized on my credit report. The presence of the following accounts is alarming and, based on my understanding, they are fraudulent and were opened without my knowledge or authorization using my compromised personal information : XXXX : Account Numbers : XXXX, XXXX, XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXXXXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account Number : XXXXXXXX XXXX XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are legally obligated to conduct a reasonable reinvestigation to determine whether disputed information is inaccurate or can not be verified. Given the context of widespread data breaches and the clear indication of identity theft, a standard " verification '' process is insufficient. I demand a comprehensive investigation into the origination of these accounts, including forensic analysis to determine how my identity was used to establish them. This isn't a dispute of factual inaccuracies but a dispute of the fundamental legitimacy of the accounts themselves.

Furthermore, pursuant to 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers of information have a duty to investigate disputed information upon notification from a consumer reporting agency. I expect that you will promptly notify XXXXXXXX XXXX XXXX, XXXX, and XXXX XXXX  XXXX XXXX this identity theft dispute, requiring them to conduct their own thorough investigations and cease all reporting of these fraudulent accounts. 
My concerns are underscored by the principles of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., which mandates the protection and security of consumers ' nonpublic personal information. The undeniable fact that my data was breached implicates a systemic failure in data safeguarding, which has directly led to these fraudulent entries on my credit report.

Additionally, I refer to FCRA Section 605 ( 15 U.S.C. 1681c ), which dictates what information may not be included in a consumer report. Specifically, under 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ), upon receipt of appropriate documentation ( which I am prepared to provide, including an Identity Theft Report ), you are required to block the reporting of information resulting from identity theft within 4 business days. These accounts, being the direct result of identity theft, have no permissible basis for reporting and must be permanently removed from my file, irrespective of their age or balance. Their continued presence directly violates my rights under this section of the FCRA.

I also reserve all my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., should any collection activity occur or persist on these demonstrably fraudulent accounts. Any attempt to collect on these debts will be considered a violation of my rights. 
Given the clear indication of identity theft and the fraudulent nature of these accounts, I demand their immediate and permanent deletion from my credit report. Their continued presence is a direct result of unauthorized activity and ongoing harm to my creditworthiness and personal security. 
Please provide me with a detailed written explanation of the results of your reinvestigation for each account, including the precise steps taken to verify their legitimacy and, ultimately, their removal from my report. Failure to comply with these demands and the provisions of the FCRA, FDCPA, and GLBA will be met with further action, including legal remedies. 
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