Consumer complaint received 2025-10-13 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 XXXXXXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts Reporting Without Authorization To Whom It May Concern, I am writing to formally dispute the following fraudulent accounts that are currently being reported on my Experian, Equifax, and TransUnion credit reports. I have never applied for, opened, or authorized any of these accounts, nor have I ever provided verbal or written consent for any of these companies to report or furnish information about me. 
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never conducted business with any of these entities, and these accounts are not mine. They are the direct result of identity theft. I recently learned that my personal information was compromised in multiple major breaches, including the XXXX XXXX Data Breach, the Equifax Data Breach, and most recently, the TransUnion Data Breach. My information has clearly been misused to fraudulently establish these accounts without my authorization. 
Your continued reporting of these accounts violates several provisions of federal law, including the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ). 
FCRA & FACTA Violations : FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information and deletion or correction of unverifiable or inaccurate data. 
FCRA 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy in consumer files. Reporting false or fraudulent accounts violates this standard. 
FACTA 605B ( 15 U.S.C. 1681c-2 ) : Requires credit reporting agencies to block and permanently delete any information resulting from identity theft once a valid FTC Identity Theft Affidavit or police report is provided. 
FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted information can not be reinserted unless fully verified and the consumer is notified in writing within five business days. 
FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Establish civil liability for willful or negligent noncompliance with FCRA provisions. 
FDCPA Violations ( Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : FDCPA 807 ( 8 ) : Prohibits debt collectors from communicating or reporting false credit information, including debts not owed. 
FDCPA 809 ( b ) : Requires debt collectors to provide full validation of alleged debts; reporting without verification violates this provision. 
FDCPA 805 ( b ) : Forbids communication of inaccurate or unverified information to third parties, such as credit bureaus. 
FDCPA 813 ( 15 U.S.C. 1692k ) : Establishes civil liability for damages resulting from violations of the FDCPA. 
These accounts are false, harmful, and unlawfully reported. Therefore, I am demanding the immediate and permanent deletion of all four accounts listed above from my Experian, Equifax, and TransUnion credit reports. These accounts must also be blocked from reinsertion under FCRA 611 and FACTA 605B. 
Please treat this matter with utmost urgency and confirm in writing that all fraudulent accounts have been permanently deleted and blocked from all future reporting. If you fail to comply within the statutory time frame outlined in FCRA 611 ( 15 U.S.C. 1681i ), I will file formal complaints with the CFPB, FTC, and my State Attorney Generals Office for enforcement and potential legal action under FCRA 616617 and FDCPA 813. 
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