Consumer complaint received 2025-08-03 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:
Identity Theft Report : FTC Identity Theft Report # : XXXX Pursuant to 15 U.S.C. 1681c-2, I formally dispute the fraudulent accounts listed below and demand their immediate blocking and removal from my credit file within the required XXXX ( XXXX ) business days. These accounts were opened without my knowledge, consent, or authorization and are the result of identity theft, as documented in FTC Identity Theft Report # XXXX. 
Accounts to Be Blocked Under FCRA 1681c-2 Account Name Account Number Date Opened XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Required Documentation Provided ( FCRA 1681c-2 Requirements Met ) Proof of Identity : Drivers License # : H233-587-45-800-0 Proof of Current Address ( included ) Identification of Fraudulent Information : Account Name : XXXX, Account # : XXXX, Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Opened : XX/XX/XXXX Signed Consumer Statement : I hereby declare, under penalty of perjury, that the above information does not relate to any transaction I have made or authorized, and is the result of identity theft. 


Required Documentation Provided ( FCRA 1681c-2 Requirements Met ) Proof of Identity : Drivers License # : XXXX Proof of Current Address ( included ) Identity Theft Report : FTC Identity Theft Report # : XXXX Identification of Fraudulent Information : Account Name : XXXX, Account XXXX : XXXX, Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX, Account # : XXXX, Opened : XX/XX/XXXX Signed Consumer Statement : I hereby declare, under penalty of perjury, that the above information does not relate to any transaction I have made or authorized, and is the result of identity theft. 



Failure to Comply ( Ongoing Violations ) I submitted the required dispute documentation through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX under the following complaint numbers : Equifax : CFPB Complaint # XXXX Experian : CFPB Complaint # XXXX TransUnion : CFPB Complaint # XXXX Status : Equifax acknowledged the dispute and marked the accounts as disputed but failed to remove the fraudulent information within XXXX business days, as required by 1681c-2 ( c ).

Experian and TransUnion failed to take any corrective action or provide acknowledgment of the 1681c-2 dispute, in violation of both the FCRA and CFPB complaint procedures.

Legal Basis for Immediate Removal Under FCRA 1681c-2 ( ac ) , a consumer reporting agency must block identity theft-related information within XXXX business days of receiving : Proper proof of identity A valid identity theft report Clear identification of the disputed accounts A signed statement that the consumer did not initiate the transactions All required documentation and certifications were provided. Continuing to retain or report this data beyond the XXXX period is a clear violation of federal law and is subject to enforcement and liability under 1681n and 1681o.

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