Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX EXPERIAN TRANSUNION EQUIFAX Subject : Dispute and Request for Block of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute certain information on my credit report that I believe to be the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that you block the reporting of the fraudulent information identified below within 4 days. 

Disputed Item ( s ) : PERSONAL INFORMATION 1. NAME : XXXX XXXX XXXX. ADDRESS : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX Disputed Item ( s ) : ACCOUNTS 1. Creditor Name XXXX XXXX XXXX - Account Number : XXXX - Amount : {$240.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
2. Creditor Name : XXXXXXXX XXXX - Account Number : XXXX - Amount : {$12000.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
3. Creditor Name : XXXXXXXX XXXX - Account Number : XXXX - Amount : {$10000.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
4. Creditor Name : XXXX XXXX - Account Number : XXXX - Amount : {$10000.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
5. Creditor Name : XXXX XXXX - Account Number : XXXX - Amount : {$57000.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
6. Creditor Name : DEPT OF ED/XXXX - Account Number : XXXX - Amount : {$2000.00} - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 
7. Creditor Name : DEPT OF ED - Amount : {$610.00} - Date : XX/XX/XXXX - Reason for Dispute : This account was opened and/or used fraudulently without my authorization or knowledge. 

Disputed Item ( s ) : INQUIRIES 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 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 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 XXXXXX/XX/XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation as required : 1. A copy of a valid identity theft report filed with a law enforcement agency ( attached ).

2. Proper proof of my identity, including a government-issued ID and proof of address ( attached ).

3. A written statement affirming that the account was the result of identity theft and was not created or authorized by me ( below ). 
I affirm that the account referenced above was opened or used without my knowledge or permission. I did not authorize this activity and request that it be permanently blocked from my credit report in compliance with federal law. 
Please investigate this matter and block the fraudulent information from my credit report within the timeframe prescribed by the FCRA. If you require any further information, I am available by mail or phone. 
Thank you for your prompt attention to this matter. 
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