Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demand for Blocking of Fraudulent Information under 15 U.S.C. 1681c-2 Credit Device Fraud To Whom It May Concern : This is a formal dispute and request for blocking of fraudulent information pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which mandates that a consumer reporting agency must block the reporting of information resulting from an alleged identity theft within XXXX ( XXXX ) business days of receiving proper notice. 

Background : I am the victim of credit device fraud. Unauthorized credit accounts and/or inquiries have been placed on my credit file without my knowledge, consent, or participation. I have never applied for, used, or authorized the following accounts and inquiries 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 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  Under 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( A ) appropriate proof of the identity of the consumer ; ( B ) a copy of an identity theft report ; ( C ) the identification of such information by the consumer ; and ( D ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Statement : I declare under penalty of perjury that the above-referenced accounts and inquiries do not pertain to any transaction by me, nor have I ever authorized or benefited from them. 

Enclosures Provided : XXXX of my government-issued photo identification XXXX of current address ( utility bill ) XXXX of my FTC Identity Theft Report ( IdentityTheft.gov ) XXXX signed written statement Demand : Pursuant to 15 U.S.C. 1681c-2, you are hereby required to block and permanently remove the above-referenced fraudulent information from my credit file within XXXX ( XXXX ) business days of receiving this notice. Please provide written confirmation of the blocking and removal to the address above. 

Failure to comply with this federal mandate will constitute willful noncompliance under the FCRA and may result in legal action to enforce my rights. 

Sincerely, XXXX XXXX XXXX : XX/XX/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