Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear XXXX, I am writing to you with a request under the provisions of the United States Code Title 15 , Section 1681i, which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted.

My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer.

In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being.

Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report.

The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting on my credit report : 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  In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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