Consumer complaint received 2025-12-18 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: MA

Complaint narrative:
UNDER FCRA 605B ( 15 U.S.C. 1681c-2 ), 611, 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) & UCC 1-308 I, XXXX XXXX XXXX, hereby declare under penalty of perjury that the information contained in this affidavit is true and correct to the best of my knowledge. I am a verified victim of identity theft and mixed-file reporting. Upon receipt of a valid FTC Identity Theft Report, the Fair Credit Reporting Act requires the credit bureau to BLOCK and REMOVE fraudulent accounts within four ( 4 ) business days pursuant to 15 U.S.C. 1681c-2. Any continued reporting beyond this period constitutes willful non-compliance with federal law.

AFFIDAVIT OF IDENTITY THEFT, MIXED FILE & FORMAL NOTICE OF INACCURATE REPORTING DEMAND FOR IMMEDIATE BLOCK, DELETION & DEBT VALIDATION Prepared For : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect / Fraudulent Name Being Reported : XXXX XXXX XXXX ( NOT MY NAME NEVER AUTHORIZED ) Correct Legal Name : XXXX XXXX XXXX FTC Identity Theft Report # : XXXX ( Attached ) NOTICE OF IDENTITY THEFT, DATA BREACH EXPOSURE & MIXED FILE This letter serves as my sworn affidavit and formal dispute under penalty of perjury. I am a verified victim of identity theft. My personal information was exposed in the XXXX  data breach, and as a direct result, accounts and an entirely different last name ( XXXX ) are being inaccurately and unlawfully associated with my credit file. 
I have never used, authorized, consented to, or conducted business under the name XXXX XXXX. 
XXXX. The reporting of a completely different last name constitutes a mixed file, identity misattribution, and a direct violation of federal law.

It is outrageous and negligent that credit bureaus allowed accounts tied to a different last name to be merged into my consumer report.

FIVE ( 5 ) FRAUDULENT / NEGATIVE ACCOUNTS IN DISPUTE 1. XXXX XXXX XXXX  Acct # : XXXX Amount : {$560.00} 2. XXXX XXXX XXXX  XXXX Acct # : XXXX Amount : {$0.00} 3. XXXX XXXX XXXX XXXX Acct # : XXXX Amount : {$1000.00} 4. XXXX XXXX Acct # : XXXX Amount : {$370.00} 5. XXXX XXXX Acct # : XXXX Amount : {$340.00} These accounts are listed in my FTC Identity Theft Report and legally trigger mandatory blocking under federal law.

LEGAL VIOLATIONS & AUTHORITY 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C.C. 1681c-2 ( FCRA 605B ) UCC 1-308 FORMAL DEBT VALIDATION DEMAND If any party claims verification, I demand full payment history, original wet-ink contract, proof of identity used at account opening, chain of title, and disclosure of any insurance claim or tax write-off.

NOTICE TO CREDIT BUREAUS NO DEFLECTION OF RESPONSIBILITY You are legally responsible for the accuracy of what you publish. You may not shift responsibility to furnishers when the data is fraudulent, inaccurate, or identity-theft related.

DEMANDS 1. Immediate blocking and deletion of all five ( 5 ) accounts 2. Immediate removal of the name XXXX XXXX XXXX 3. Written confirmation of deletions 4. A corrected copy of my credit report Failure to comply will result in CFPB complaints, FTC escalation, and civil action under 15 U.S.C.

1681n & 1681o.

I declare under penalty of perjury that the information provided is true and correct. 
XXXX XXXX XXXX Signature : __________________________ Date : _________________________

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