Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Last XXXX ( XXXX ) : XXXX Date : XX/XX/XXXX Re : Identity Theft Request for Immediate Removal of Unauthorized Inquiries & Accounts FTC Report XXXX XXXX  XXXX Dear : Transunion/Experian/Equifax I am the victim of identity theft as evidenced by the attached FTC Identity Theft Report ( Report No. XXXX, dated XX/XX/XXXX ). Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are legally required to block and remove all information resulting from identity theft within 4 business days of receiving : Proof of identity ; A copy of an identity theft report ; and A written statement identifying the fraudulent items. 
I did not initiate or authorize the following inquiries or accounts, all of which are fraudulent : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX 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  Experian : 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  These entries are the direct result of criminal identity theft activity and were not authorized by me in any form. Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may not furnish a consumer report for any purpose without the consumers consent. These inquiries and accounts violate that provision.

Further, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that, upon receiving a dispute, the credit bureau must conduct a reasonable reinvestigation within 30 days ( or shorter if mandated by law ) to determine whether the disputed information is inaccurate, and delete it if so. In cases of identity theft, 605B shortens this process and mandates blocking within 4 business days. 

If you verify any of these items as accurate, I am formally requesting the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You must provide : The name, address, and telephone number of the entity that verified the information ; A detailed explanation of how the verification was conducted ; and Copies of any documents or communications relied upon. 

Case Law Supporting Removal : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CRAs have a duty to conduct a reasonable reinvestigation and can not rely solely on the furnishers verification without independent review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Willful failure to follow reasonable procedures to assure maximum possible accuracy violates the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate reporting without proper reinvestigation constitutes actionable harm. 

Demand : I demand the immediate deletion of these fraudulent inquiries and accounts within 4 business days as mandated by FCRA 605B. Failure to comply will result in complaints to the CFPB, the FTC, and potential civil litigation seeking actual, statutory, and punitive damages under 15 U.S.C. 1681n and 1681o. 
Enclosed : Note : Please Excuse The XXXX  XXXX Inquiry That's Listed As This is Accurate Listing On Experian and Equifax. Please Do Not Remove FTC Identity Theft Report ( Report No. XXXX ) Proof of Identity ( Drivers License, utility bill/deed ) Respectfully, 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