Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Dear Sir or Madam : I, XXXX XXXX, am writing as a victim of identity theft to formally dispute and request the immediate blocking of all inaccurate, fraudulent, and derogatory information appearing on my credit report. The negative items listed on my report, including unauthorized purchases, late payments, collections, and closed accounts, do not relate to any transactions or accounts that I authorized or initiated. These items are the direct result of identity theft, which I believe stems from one or more data breaches compromising my personal information, as well as unauthorized activities documented in my attached police reports.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I request that you block the following fraudulent items from my credit report within four ( 4 ) business days of receipt of this letter and all required documentation. Additionally, under Section 611 ( a ) of the FCRA, 15 U.S.C. 1681i, please conduct a reasonable investigation into these disputes and permanently remove or correct any verified inaccuracies. I further request that you notify all furnishers of this information of the blocking and disputes, as required by law. 
The fraudulent and negative items to be blocked and removed include, but are not limited to : All unauthorized purchases or charges on any accounts, including [ list specific account numbers, creditors, and amounts if known, e.g., Account # XXXX with Creditor XXXX, unauthorized charges totaling $ XXXX, XXXX ]. 
All late payments reported, such as [ list specific late payments, dates, and accounts if known ]. 
All collections accounts, including [ list specific collection agencies, account numbers, and amounts if known ]. 
All closed accounts with negative notations, such as charge-offs, settlements, or closures not in good standing, including [ list specific accounts if known ]. 
Any other derogatory remarks, inquiries, or entries negatively impacting my credit profile as a result of this identity theft. 
These items appeared on my credit report following known data breaches, including [ specify relevant data breaches, e.g., the XXXX Equifax data breach, the XXXX MOVEit breach, or others that affected you, if known ]. My personal information was compromised in these incidents, leading to the unauthorized use of my identity. I have filed police reports documenting the identity theft, copies of which are enclosed. 
Enclosed for your review and to support this request are the following documents : A copy of my recent credit report from your bureau, with the fraudulent and disputed items clearly circled or highlighted. 
My completed FTC Identity Theft Report ( Affidavit ) filed with the Federal Trade Commission. 
Copies of police reports filed regarding the identity theft incidents. 
Proof of my identity, including a copy of my government-issued photo ID ( e.g., drivers license ) and a utility bill or bank statement showing my current address ( XXXX Bright XXXX XXXX, XXXX, TX XXXX XXXX. 
A copy of XXXX XXXX of the Fair Credit Reporting Act for your reference. 
Any additional supporting documentation, such as notifications from data breach incidents or correspondence with creditors disputing the charges. 
Please provide written confirmation of the blocking and any deletions or corrections made to my credit report within the timeframes required by law. Additionally, I request a free updated copy of my credit report once these changes have been processed, as provided under the FCRA. If any of the disputed information can not be blocked or removed, please provide a detailed explanation of your findings, including the methods used in your investigation. 
I appreciate your immediate attention to this serious matter. Identity theft has caused significant harm to my financial well-being, and prompt resolution is essential. Should you require any additional information, please contact me at [ your phone number ] or [ your email address ]. 
Thank you for your cooperation in restoring the accuracy of my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed items highlighted FTC Identity Theft Report ( Affidavit ) Police reports documenting identity theft Copy of government-issued photo ID Proof of address ( utility bill or bank statement ) Copy of FCRA Section 605B [ Any additional supporting documents, e.g., data breach notifications ]. Please remove all items negatively impacting my credit profile immediately.

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