Consumer complaint received 2025-11-10 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: LA

Complaint narrative:
XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Republic Finance Accounts ( Demand for Permanent Deletion ) To Whom It May Concern : I am writing to file a formal dispute regarding two fraudulent accounts currently reporting on my Experian, Equifax, and TransUnion credit reports under the name XXXX XXXX, XXXX. These accounts are not mine. I had a legitimate loan with this company in the past, which I paid in full in XX/XX/XXXX, and I have never obtained another loan from XXXX XXXX since then. 
Fraudulent Accounts in Dispute XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} It is evident that these fraudulent accounts are the result of identity theft. Someone unlawfully obtained my personal information and used it to secure additional loans in my name without my written or verbal consent. Based on my research and documentation, my personal information was compromised in several major national data breaches, including : The Equifax Data Breach, The TransUnion Data Breach, and The XXXX XXXX XXXX XXXX. 
It is likely that the perpetrators accessed my information through one or more of these breaches and exploited the fact that I previously had a legitimate account with XXXX XXXX to create fraudulent loans that I did not authorize. 
Legal Basis for Immediate Deletion Under federal law, the continued reporting of these fraudulent accounts constitutes multiple violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following provisions apply directly to this situation : FCRA 1681i ( a ) Requires the credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information from a consumers credit file within 30 days.

FCRA 1681e ( b ) Mandates that credit bureaus maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting accounts that do not belong to me violates this statute.

FACTA 605B ( 15 U.S.C. 1681c-2 ) Requires credit bureaus to block and permanently delete information that results from identity theft once the consumer provides appropriate proof, such as an FTC Identity Theft Affidavit or police report.

FCRA 611 ( a ) ( 5 ) ( B ) States that once an item of information has been deleted due to fraud or inaccuracy, it can not be reinserted without full verification and written notice to the consumer.

FCRA 616617 ( 15 U.S.C. 1681no ) Establishes civil liability for any credit bureau or furnisher that willfully or negligently fails to comply with these obligations.

These accounts are unverified, unauthorized, and fraudulent, and therefore, their continued presence on my credit reports is unlawful. 
Demand for Immediate Action I am demanding that Experian, Equifax, and TransUnion : Immediately delete and permanently block the fraudulent XXXX XXXX accounts listed above from my credit reports. 
Provide written confirmation that these accounts have been permanently deleted and can not be reinserted under FCRA 611 ( a ) ( 5 ) ( B ).

Supply a copy of all documentation provided by XXXX XXXX to verify these accounts, as required under FCRA 611 ( a ) ( 2 ).

Should these accounts remain on my credit reports after your reinvestigation, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for enforcement and potential civil action for willful noncompliance.

Urgency & Government Shutdown Context Given the current federal government shutdown, I am demanding that this matter be handled expeditiously and in good faith, without delay or reliance on government agencies to compel compliance. The evidence I am providing including my FTC Identity Theft Affidavit, police report, ID, Social Security card, and proof of address is more than sufficient under federal law to warrant immediate and permanent deletion of these fraudulent accounts. 
Conclusion This letter serves as my formal dispute and identity theft notification under FCRA 611 and FACTA 605B. Please confirm in writing once the fraudulent XXXX XXXX accounts have been deleted from all three credit bureaus and permanently blocked from future reinsertion. 
Failure to comply within 30 days will be considered a willful violation of federal law and will result in immediate escalation to the CFPB and legal counsel. 
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