Consumer complaint received 2025-03-03 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: AZ

Complaint narrative:
This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian immediately block and remove all fraudulent accounts, credit inquiries, and inaccurate/unverifiable biographical data appearing on my consumer report. 

I am a victim of identity theft, and the following fraudulent accounts and inquiries were opened or made WITHOUT my knowledge, consent, or authorization. I did not benefit from them in any way, and they must be permanently removed from my credit file. 

Fraudulent Accounts on My Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : Unknown Fraudulent Hard Inquiries : These unauthorized inquiries appear on my credit report and must be removed immediately as they were initiated without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries tied to fraudulent auto loan applications Fraudulent Personal Information : The following addresses were fraudulently associated with my credit file. I have never lived at these locations, nor have I ever authorized their use XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These must be permanently deleted from my consumer credit report. 

Legal Basis for My Complaint : Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to : Request the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. 
Demand that TransUnion, Equifax, and Experian cease reporting any information related to identity theft. 
Receive confirmation of removal within four business days of this request. 
Additionally, per FCRA 609 ( 15 U.S.C. 1681g ), I demand full file disclosure of all records associated with these fraudulent accounts and inquiries, including all documents used to verify identity, account opening applications, fraud prevention logs, and internal notes associated with these disputed items & Applications used to open these accounts IP logs, timestamps, and device details Any documents used for identity verification Furthermore, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting inaccurate or unverifiable data. If these accounts can not be verified with clear proof of my authorization, they must be permanently deleted. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Credit bureaus must block fraudulent accounts and inquiries within 4 business days after receiving an FTC Identity Theft Report. 

FCRA 1681s-2 ( b ) : Creditors and lenders ( XXXX XXXX, XXXX XXXX XXXX ) must conduct a reasonable investigation into disputed accounts. If they can not verify the legitimacy of an account, they must delete it. 

FCRA 1681e ( b ) : Credit bureaus must use reasonable procedures to ensure accuracy. Allowing fraudulent data to remain violates this statute. 

FCRA 1681i ( a ) : Credit bureaus must investigate and either verify or delete disputed information. Failure to do so is a direct violation of the law. 

If the credit bureaus fail to comply, I reserve my right to pursue legal action, as these statutes are actionable in court. 

Supporting Documentation Attached : FTC Identity Theft Report : ( Report ID : XXXX ) Recent Credit Reports from TransUnion, Experian, and Equifax ( XX/XX/XXXX ) Government-Issued ID Utility Bill for Proof of Address

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