Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
IDENTITY THEFT BLOCK REQUEST FCRA 605C / 15 U.S.C. 1681c-2 Final Demand to Block and Remove Fraudulent Accounts From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnionP.O. XXXX XXXX XXXX XXXX RE : Identity Theft Block Request Under FCRA 605C Permanent Removal of Fraudulent Accounts Due to Identity Theft and Data Breaches To Whom It May Concern, This is a formal written request pursuant to FCRA 605C / 15 U.S.C. 1681c-2, demanding the immediate and permanent blocking of specific fraudulent information appearing on my credit report. These accounts are the result of identity theft, and in some cases have occurred in the aftermath of widely reported data breaches including those affecting your own systems.

Under FCRA 605C, a consumer reporting agency must block any information alleged to be the result of identity theft within 4 business days of receiving : 1. A police report or identity theft report filed with a law enforcement agency, 2. A valid proof of identity, and 3. A written statement from the consumer identifying the fraudulent information and requesting the block. 
I am now submitting all three required items : * A copy of my police report and/or FTC Identity Theft Report, * A copy of my government-issued photo ID and proof of current address, * This written request identifying the fraudulent accounts listed below. 

Fraudulent Account to Be Blocked and Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were not opened by me, not authorized by me, and are the direct result of identity theft and/or personal information compromised in a known data breach. I am invoking my rights under : * FCRA 605C / 15 U.S.C. 1681c-2 Block of information resulting from identity theft * FCRA 611 / 15 U.S.C. 1681i Right to dispute inaccurate information * FACTA ( Fair and Accurate Credit Transactions Act ) Identity theft protections * 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance You Are Legally Required To : * Block all listed fraudulent accounts from my credit file within 4 business days of receipt of this request.

* Refrain from re-inserting this information into my credit file unless you receive a certification of accuracy from the furnisher AND provide me written notice within 5 business days ( FCRA 1681i ( a ) ( 5 ) ( B ) ).

* Provide written confirmation that these accounts have been permanently removed from my credit report.

If you fail to comply with this legal requirement, I will take immediate legal action under federal and state consumer protection laws, including but not limited to : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office * Filing a civil lawsuit seeking statutory, actual, and punitive damages for noncompliance * Requesting injunctive relief and recovery of attorneys fees This is your final notice. I expect full compliance. 
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