Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Division XXXX XXXX XXXXXXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Fraudulent Information Pursuant to the Fair Credit Reporting Act ( FCRA ) and Identity Theft Protections To Whom It May Concern, I am writing to formally dispute multiple unauthorized entries currently appearing on my Experian credit report. I am a documented victim of identity theft. As such, I request, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, the immediate deletion and permanent blocking of all fraudulent accounts, inquiries, and collections that I did not initiate, authorize, or benefit from. 

Fraudulent Accounts : XXXXXXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} These accounts were fraudulently opened without my consent or knowledge. No evidence has been provided by the furnishers to establish a valid debtor-creditor relationship or a legally sufficient chain of title to the alleged debt, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ). 

Fraudulent Collection Account : XXXX XXXX  Original Creditor XXXX XXXX Balance : {$290.00} Reported as of : XX/XX/XXXX This collection is not authorized and arises from the same identity theft incident. I assert my right under 15 U.S.C. 1681g ( e ) and 15 U.S.C. 1681c-2 ( b ) to block and delete this item from my consumer file. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge or permission, constituting a violation of 15 U.S.C. 1681b, which limits permissible purposes for accessing consumer reports. As affirmed in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), credit reporting agencies must ensure the accuracy and legitimacy of data they disseminate. 

Legal Grounds for Request : Pursuant to the FCRA and federal protections afforded to identity theft victims, I am invoking the following legal provisions : 15 U.S.C. 1681c-2 Right to block information resulting from identity theft 15 U.S.C. 1681g ( e ) Right to receive documentation from the furnisher of disputed information 18 U.S.C. 1028 Federal identity theft protection statute I have enclosed the following supporting documents for your review : 1. Copy of my government-issued photo ID 2. Copy of my Social Security card 3. Identity Theft Report filed with the Federal Trade Commission ( FTC ) 4. Consumer Financial Protection Bureau ( CFPB ) complaint 5. A notarized personal statement affirming the facts above Requested Actions : 1. Delete all above-referenced fraudulent accounts and inquiries from my credit file immediately ; 2. Block any further reporting of these items in accordance with 15 U.S.C. 1681c-2 ; 3. Provide written confirmation of all deletions and the updated credit report reflecting said changes. 



Failure to comply may result in the pursuit of legal remedies under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, attorneys fees, and punitive damages for willful and negligent noncompliance. 

Thank you for your immediate attention to this matter. I look forward to your written confirmation within the 30-day statutory period provided under 15 U.S.C. 1681i ( a ). 

Sincerely, 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