Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : DEMAND FOR IMMEDIATE DELETION IDENTITY THEFT Pursuant to FCRA XXXX and FDCPA To Whom It May Concern : Due to the Equifax National Data Breach , my personal information was exposed and used without consent. The following fraudulent accounts and inquiries now appear on my Equifax credit report and are the result of identity theft : -- - Fraudulent Accounts : Guardian XXXX - {$670.00} XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$9000.00XXXX XXXX XXXX XXXXXXXX - {$30000.00} XXXX XXXX  Bank XXXX - CARES Act violation Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -- - Under FCRA XXXX, you are required to block all information resulting from identity theft within XXXX business days. This letter serves as my official dispute and identity theft statement. Enclosed are : Copy of my government-issued ID Proof of address FTC Identity Theft Affidavit Continued reporting or distribution of this information violates the Fair Debt Collection Practices Act and may expose your agency and any furnishing parties to civil liability under 15 U.S.C. XXXX, XXXX, and XXXX. 

You are hereby ordered to : XXXX. Immediately delete the fraudulent accounts and inquiries listed above XXXX. Cease all reporting and sharing of this data XXXX. Provide written confirmation within XXXX  days Failure to comply will result in legal action and complaints filed with the CFPB, FTC, and state authorities. 

Sincerely, XXXX XXXX -- - Equifax Identity Theft Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : DEMAND FOR IMMEDIATE DELETION IDENTITY THEFT Pursuant to FCRA XXXX and FDCPA To Whom It May Concern : Due to the Equifax National Data Breach , my personal information was exposed and used without consent. The following fraudulent accounts and inquiries now appear on my Equifax credit report and are the result of identity theft : I have a copy of my National Data Breach report confirming this breach. 


-- - Fraudulent Accounts : Guardian XXXX - {$670.00} XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$9000.00} SXXXX XXXX XXXXXXXX - {$30000.00} XXXX XXXX  Bank XXXX - CARES Act violation Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -- - Under FCRA XXXX, you are required to block all information resulting from identity theft within XXXX business days. This letter serves as my official dispute and identity theft statement. Enclosed are : Copy of my government-issued ID Proof of address FTC Identity Theft Affidavit National Data Breach report copy Continued reporting or distribution of this information violates the Fair Debt Collection Practices Act and may expose your agency and any furnishing parties to civil liability under 15 U.S.C. XXXX, XXXX, and XXXX. 

You are hereby ordered to : XXXX. Immediately delete the fraudulent accounts and inquiries listed above XXXX. Cease all reporting and sharing of this data XXXX. Provide written confirmation within XXXX days Failure to comply will result in legal action and complaints filed with the CFPB, FTC, and state authorities. 

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