Consumer complaint received 2025-08-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX Date : [ Insert Date ] To : Equifax XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Identity Theft Dispute Demand for Immediate Deletion of Fraudulent Accounts Under FCRA 605B & Other Applicable Laws To Whom It May Concern : I am writing to formally dispute multiple fraudulent accounts reporting on my credit file, as I am a verified victim of identity theft. Enclosed is my FTC Identity Theft Report ( FTC Report # XXXX ), which includes sworn statements under penalty of perjury identifying the unauthorized accounts. 

My personal information was compromised in the XXXX and TransUnion data breaches, which likely enabled the fraudulent activity. This letter is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires credit bureaus to block and remove fraudulent information within 4 business days of receiving proper documentation. 

The following fraudulent accounts must be permanently deleted : XXXX ( XXXX XXXX ) Opened XX/XX/XXXX This vehicle account was opened without my knowledge or consent and is nearly XXXX XXXX XXXX, well beyond the statute of limitations for collection and reporting. Under FCRA 605 ( a ), negative accounts generally can not report beyond 7 years. This account also violates FCRA 605B due to its fraudulent nature. Reporting it further causes harm and must cease immediately. 
XXXX XXXX XXXX Opened XX/XX/XXXX Fraudulent credit card account totaling {$850.00}. This was not authorized by me and should be deleted in compliance with FCRA 605B and 15 U.S.C. 1681s-2 ( a ) ( 6 ), which prohibits furnishing inaccurate data. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX account from a fraudulent charge totaling {$1800.00}. This account was also opened without my consent and is tied to the theft of my identity. 

Under FCRA 602 ( a ), I have the right to accurate credit reporting, and the continued reporting of fraudulent data violates this right. Furthermore, under 15 U.S.C. 1692g and the Fair Debt Collection Practices Act ( FDCPA ), any third-party debt collection attempts related to these accounts must immediately cease. 

I demand the following actions : 1. Immediate permanent deletion of the accounts listed above from my credit file.

2. Written confirmation of the deletion within 15 days, as mandated by federal law.

3. No reinsertion of these accounts without proper notice and certification of legitimacy as required by FCRA 611 ( a ) ( 5 ) ( B ).

This is a final notice. Any failure to comply will be viewed as willful noncompliance and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may be pursued through civil legal action. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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