Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
# Comprehensive Identity Theft Dispute Letter * * Date : * * XX/XX/XXXX * * To : * * Experian, Equifax and TransUnion * * CC : * * Consumer Financial Protection Bureau ( CFPB ) * * RE : FORMAL DISPUTE - IDENTITY THEFT ACCOUNTS- DEMAND FOR PERMANENT DELETION * * * * To Whom It May Concern : * * I am writing to formally dispute fraudulent accounts appearing on my credit report as a direct result of identity theft. This letter serves as my official notice under the Fair Credit Reporting Act ( FCRA ) and constitutes a comprehensive demand for immediate investigation and permanent deletion of all fraudulent information.

# # IDENTITY THEFT DOCUMENTATION I am a confirmed victim of identity theft resulting from multiple major data breaches : 1. * * Equifax Data Breach Settlement : * * My personal information was compromised in this breach, as confirmed by the official settlement website showing my eligibility for compensation and identity restoration services ( Engagement Number : XXXX ). 
1. * * XXXX XXXX Data Breach ( XX/XX/XXXX ) : * * The hacking group XXXX stole XXXX XXXX personal records from XXXX, including my complete personal profile containing : - Full name ( XXXX XXXX ) - Social Security Number ( XXXX ) - Home address and ZIP code ( XXXX ) - Phone numbers- Date of birth variations- Alternative name spellings This breach has been confirmed as one of the largest in history and has resulted in sensitive personal information being compromised and appearing on the dark web.

# # FRAUDULENT ACCOUNTS REQUIRING IMMEDIATE DELETION The following accounts appearing on my credit report are fraudulent and were opened without my knowledge, consent, or authorization : 1. * * XXXX XXXX * * - Account Number : XXXX - Balance : {$0.00} 1. * * XXXX  XXXX * * - Account Number : XXXX - Balance : {$2500.00} 1. * * XXXX  * * - Account Number : XXXX - Balance : {$0.00} 1. * * XXXX XXXX XXXX XXXX * * - Account Number : XXXX - Balance : {$0.00} 1. * * XXXX XXXX XXXX * * - Account Number : XXXX - Balance : {$0.00} 1. * * XXXX  XXXX * * - Account Number : XXXX - Balance : {$0.00} # # LEGAL DEMANDS UNDER THE FAIR CREDIT REPORTING ACT # # # 1. FCRA 605B - Identity Theft Information Under 15 U.S.C. 1681c-2, upon receipt of this identity theft report, you are REQUIRED to : - Block the reporting of any information that resulted from identity theft - Not report, provide, or communicate blocked information except to consumer reporting agencies - Notify furnishers that the information may result from identity theft # # # 2. FCRA 611 ( a ) ( 1 ) ( A ) - Procedure in Case of Disputed Information You must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information within 30 days.

# # # 3. FCRA 611 ( a ) ( 5 ) ( A ) - Treatment of Inaccurate or Unverifiable Information If information can not be verified or is found to be inaccurate, you MUST delete the information from my file promptly and may not reinsert previously deleted information unless the furnisher recertifies its accuracy and completeness.

# # # 4. FCRA 611 ( a ) ( 1 ) ( D ) - Notice of Dispute to Furnisher You must provide notice of this dispute to any person who provided the information in question within 5 business days.

# # # 5. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) - Notification of Results You must provide written notice of the results of your reinvestigation within 5 business days of completion, including a statement that disputed information has been deleted.

# # # 6. FCRA 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers Any furnisher providing information about these fraudulent accounts must not furnish information they know or have reasonable cause to believe is inaccurate.

# # # 7. FCRA 616 - Civil Liability for Willful Noncompliance Failure to comply with these requirements may result in liability for actual damages, punitive damages up to {$1000.00}, attorneys fees, and costs.

# # # 8. FCRA 617 - Civil Liability for Negligent Noncompliance Negligent failure to comply may result in liability for actual damages, attorneys fees, and costs.

# # SPECIFIC DEMANDS I hereby DEMAND that you : 1. * * IMMEDIATELY BLOCK * * all information related to the above-listed fraudulent accounts pursuant to FCRA 605B 1. * * PERMANENTLY DELETE * * all references to these accounts from my credit file 1. * * PROVIDE WRITTEN CONFIRMATION * * of all deletions within 30 days 1. * * NOTIFY ALL FURNISHERS * * that these accounts resulted from identity theft 1. * * ENSURE NO REINSERTION * * of this fraudulent information without proper recertification 1. * * PROVIDE FREE COPIES * * of my updated credit report showing the deletions 1. * * NOTIFY ALL PARTIES * * who received my credit report in the past 6 months ( 2 years for employment purposes ) of the corrections # # SUPPORTING DOCUMENTATION Enclosed/Attached : - FTC Identity Theft Report - Equifax Data Breach Settlement confirmation - National Public Data breach evidence - Copies of fraudulent account statements ( if any ) - Government-issued identification - Proof of current address # # NOTICE OF INTENT This letter serves as formal notice that I will pursue all available legal remedies under federal and state law if you fail to comply with these demands. I am prepared to file complaints with the CFPB, FTC, and state attorney general, and to pursue civil litigation for damages resulting from willful or negligent noncompliance with the FCRA. 

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