Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts - Identity Theft - Law 605B Dear Sir/Madam, I am writing to dispute several fraudulent accounts that have appeared on my credit report due to identity theft, in accordance with the provisions of the Fair Credit Reporting Act, specifically under Law XXXX, which governs identity theft and fraudulent credit reporting. Below, I have provided a list of accounts that I did not open and do not recognize : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX These accounts were opened without my authorization, and I am a victim of identity theft. I am requesting that you immediately block the fraudulent accounts from my credit report and remove any references to these accounts in accordance with Law 605B, which mandates the blocking of information resulting from identity theft once reported.

In accordance with the FCRA, I request that you conduct a thorough investigation into this matter and remove or correct the information as necessary. I also request that you provide me with a copy of the results of your investigation, as well as an updated copy of my credit report once the issue has been resolved. 
Please be advised that under Section 615 ( f ), if any information on my report is found to be inaccurate or incomplete, it must be corrected or removed promptly. I understand that Experian is required to complete the investigation within 30 days of receiving this dispute.

I appreciate your prompt attention to this matter and request that you send me the results of your investigation and a corrected credit report as soon as possible.

I request that you initiate a reinvestigation into the accuracy of the information reported by the furnisher ( s ) in accordance with FCRA Section 623 ( a ) ( 6 ). As the furnisher of the information, the As per the requirements outlined in Section 605B, I am requesting that this information be blocked from my credit report within four ( 4 ) business days from the date of this letter.

I kindly ask that you confirm receipt of this request and update my credit report accordingly. If you need any further documentation or information to proceed, please let me know promptly. 
A creditor or lender is legally required to ensure that the information provided to credit reporting agencies is complete, accurate, and up to date.

Please take the following actions : 1. Investigate the information provided by the furnisher ( s ) and verify its accuracy.

2. Remove or correct any inaccurate or incomplete information on my credit report.

Under Section 623 ( a ) ( 6 ), if the furnisher of information has reported inaccurate information, it must promptly correct it and notify Experian, and I respectfully request that this issue be resolved in accordance with the law.

I would appreciate it if you would notify me in writing of the outcome of the investigation and provide an updated copy of my credit report once the correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 
Please let me know if any further information or documentation is required for the investigation. I expect that this matter will be resolved as soon as possible, and I kindly request written confirmation once the accounts have been blocked. 
If you need any further clarification, feel free to contact me at [ XXXX ] or [ XXXX ]. I look forward to your prompt response. 
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