Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion, LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Identity Theft Dispute Demand for Permanent Deletion of Fraudulent Accounts & Addresses ( FCRA/FACTA Violations ) To Whom It May Concern, I am writing to formally notify all three credit reporting agencies that I am the victim of identity theft and that several fraudulent accounts and unauthorized addresses have been added to my credit reports. These items were created without my knowledge, consent, signature, authorization, or involvement of any kind. I am demanding the immediate and permanent deletion of all fraudulent accounts and addresses listed in this dispute. 
Fraudulent Credit Accounts ( Not Mine ) : XXXX XXXX Acct. No. : XXXX XXXX : {$140.00} XXXX XXXX Acct. No. : XXXX XXXX : {$1600.00} XXXX XXXX Acct. No. : XXXX XXXX : {$900.00} XXXX XXXX Acct. No. : XXXX XXXX : {$2300.00} XXXX Acct. No. : XXXX XXXX : {$280.00} I did not open, authorize, apply for, or approve any of these accounts. They are direct results of identity theft. 
Fraudulent Addresses Added to My File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived at, used, or been associated with either address. These addresses were added by the individual who stole my identity.

Legal Basis for Immediate Removal ( FCRA & FACTA Requirements ) FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies to block, remove, and permanently delete any information that a consumer identifies as the result of identity theft
once proper documentation ( FTC Affidavit/Police Report ) is provided. I am supplying this documentation.

FCRA 602A Accuracy & Fairness Requirement Credit bureaus must ensure consumer reports are accurate and can not report information belonging to an identity thief.

FCRA 611 ( Reinvestigation Duties ) Bureaus must conduct a reasonable reinvestigation and delete any unverifiable, inaccurate, or fraudulent accounts within the statutory timeframe.

FCRA 623 ( a ) ( 6 ) Furnishers are prohibited from reporting information they knowor should knowis the result of identity theft.

FCRA 1681e ( b ) Requires maximum possible accuracy. Reporting accounts I never opened, and addresses I never lived at, violates this requirement.

FACTA 112 & 151 ( 15 U.S.C. 1681m, 1681c-1, 1681c-2 ) Mandates immediate blocking of identity-theft-related information and prohibits reinsertion unless full verification and written notice are provided. 
My Demands as an Identity Theft Victim I am formally demanding that Experian, Equifax, and TransUnion : Immediately and permanently delete all fraudulent accounts listed above. 
Remove and permanently block the fraudulent addresses from my credit file.

Prevent any reinsertion of these accounts or addresses without full certification of accuracy and written notice to me ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Provide documentation showing what permissible purpose, if any, was used to justify these accounts or addresses.

Issue written confirmation once all fraudulent items have been deleted and blocked.

Federal Escalation Notice Failure to comply will result in immediate escalation to : CFPB FTC State Attorney General Any additional regulatory bodies overseeing FCRA compliance I expect a swift and compliant investigation, as required under federal law. 
Thank you for your prompt attention. 
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