Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I XXXX XXXX XXXX XXXX Social Security Number Last 4 ( XXXX ) I am filing this complaint to demand that TransUnion, Experian, and Equifax immediately block and remove all fraudulent accounts, collections, and hard inquiries reporting on my consumer file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). I would like to have these items removed from my credit report as soon as possible. Accounts : 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 


My personal information was compromised in a data breach, and unauthorized parties used it to open accounts and initiate hard inquiries without my consent. I did not authorize, initiate, or participate in any of the accounts, inquiries, or collections being reported. 

No third party, credit repair company, or representative is acting on my behalf.

I am submitting this dispute personally, as the victim of identity theft.

The information I am disputing is fraudulent, inaccurate, and unverifiable. Under federal law, the credit bureaus are required to : Block identity-theft-related information within 4 business days of receiving this complaint and documentation ( FCRA 605B ) Conduct a complete reinvestigation within 30 days ( FCRA 611 ) Ensure maximum possible accuracy of all reporting ( FCRA 1681e ( b ) ) I have attached : A list of the fraudulent hard inquiries A list of the fraudulent accounts/collections A copy of my full credit report showing the disputed information A copy of my FTC Identity Theft Report ( Case # XXXX ) Proof of identity and proof of address Failure to properly investigate my dispute, failure to block identity-theft items, or failure to respond appropriately is a direct violation of the Fair Credit Reporting Act. 
Ignoring, dismissing, or failing to act on my dispute is illegal under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( FCRA 611 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681n ( Civil liability for willful non-compliance ) 15 U.S.C. 1681o ( Liability for negligent non-compliance ) Additionally, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) protects consumers from being held responsible for fraudulent accounts or inquiries resulting from identity theft.

I am requesting : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections 2. A full reinvestigation of all disputed items 3. Written results and verification of your investigation 4. An updated, corrected copy of my consumer report 5. Confirmation of the measures taken to protect my personal information These inaccuracies are actively harming my creditworthiness and must be addressed with urgency. 

I expect complete compliance with federal law and written confirmation from your agency within the required timeframe.

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