Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Experian Report Number XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Data Breach Identity Theft Report and Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

Be advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the XXXX XXXX XXXX  regarding this matter. Experian to block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

If these accounts are not removed, or if I do not receive a proper investigation outcome and documentation within 4 business days, I will pursue legal remedies including but not limited to : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. Penalty of Perjury 6. Violations of 15 U.S.C. 1692g, 1692a 7. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) This letter is formally written by myself, XXXX XXXX XXXX XXXX and not by a third party or representative. 
The following accounts are fraudulent and inaccurate : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 5. XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX Account Number : XXXX Balance : {$700.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : 1. XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Tx, XXXX The following employer information is inaccurate and should also be removed : 1. XXXX XXXX 2. XXXX I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation.

Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill or bank statement for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Attorney General Complaint XXXX XXXX XXXX Complaint Copy of XXXX Data Breach Copy of FCRA 605B I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX Affidavit of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Experian. 
My residential address is XXXX XXXX XXXXXXXX XXXX  TX XXXX My Social Security XXXX is XXXX. 
My Date of Birth is XX/XX/XXXX. 
My email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief. 
I submit this Affidavit of Identity to establish my identity and to further support my formal dispute of the unlawful reinsertion of inaccurate information on my credit report. 

XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX 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