Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Subject : URGENT Identity Theft Complaint and Dispute Filing Pursuant to FCRA - 605B, - 611, - 609 & FDCPA Dear Consumer Financial Protection Bureau Officer, I, XXXX XXXX XXXX, am submitting this formal and legally binding complaint against Equifax, Experian, and TransUnion, and the respective furnishers of information, for their ongoing failure to comply with federal laws regarding the fraudulent use of my identity and their refusal to appropriately investigate and REMOVE the inaccurate information from my credit file. 
Despite filing an FTC Identity Theft Report ( # XXXX ), submitting an identity theft affidavit, making formal complaints with the XXXX, and sending direct notices to all three credit reporting agencies, I continue to be burdened with UNAUTHORIZED accounts, FRAUDULENT hard inquiries, and collection items-all resulting from IDENTITY THEFT. 

LEGAL GROUNDS FOR DISPUTE Formal Identity Theft Complaint to CFPB Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I assert the following rights and demand full COMPLIANCE : 1. FCRA - 605B ( 15 U.S.C. - 1681c-2 ) : All consumer reporting agencies must BLOCK identity theft-related information within 4 business days of receiving appropriate proof. 
2. FCRA - 611 ( 15 U.S.C. - 1681i ) : CRAs are required to complete REINVESTIGATION of disputed items within 30 days.

3. FCRA - 609 ( 15 U.S.C. - 1681g ) : I have a right to full DISCLOSURE of all information in my file, including the sources of each item.

4. FCRA - 1681s-2 ( a ) ( 1 ) : Furnishers are prohibited from reporting information they know or reasonably should know is inaccurate.

5. FCRA - 1681s-2 ( b ) : After being notified of a dispute, furnishers must INVESTIGATE, CORRECT, and notify CRAs.

6. FDCPA - 807 ( 15 U.S.C. - 1692e ) : Debt collectors must not use FALSE, DECEPTIVE, or MISLEADING representations in connection with the collection of any debt.

7. FCRA - 616 & - 617 ( 15 U.S.C. - 1681n & 1681o ) : Entities in violation are subject to CIVIL LIABILITY, actual and statutory damages, punitive damages, and attorney-s fees. 
FRAUDULENT ACCOUNTS AND INQUIRIES TO BE REMOVED The following were opened FRAUDULENTLY in my name : - XXXX XXXX XXXX - {$2500.00} - XXXX XXXX XXXX XXXX {$2500.00} and {$2600.00} - XXXX XXXX XXXX {$360.00} XXXX XXXX  XXXX - {$360.00}, {$570.00}, {$3000.00} - XXXX XXXX  XXXX - {$740.00} XXXX XXXX - {$790.00} Fraudulent Credit Inquiries : Formal Identity Theft Complaint to CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> SUPPORTING DOCUMENTATION ATTACHED - FTC Identity Theft Report # XXXX - Notarized Identity Theft Affidavit - XXXX  Complaint Acknowledgement - XXXX  Identity Theft Proof - Government-issued identification DEMAND FOR ACTION Pursuant to my rights, I DEMAND : 1. IMMEDIATE REMOVAL of the above FRAUDULENT accounts and inquiries from all credit reports. 
2. PERMANENT BLOCKING of these items under FCRA - 605B.

3. WRITTEN CONFIRMATION from Equifax, Experian, and TransUnion of their actions within 30 days.

4. That you INTERVENE IMMEDIATELY under CFPB enforcement authority to ensure legal COMPLIANCE by these agencies. 
I am also sending a physical copy of this complaint and all supporting documentation by CERTIFIED MAIL to ensure receipt and traceability. 

I expect an URGENT and thorough response in writing, as continued inaction constitutes WILLFUL NONCOMPLIANCE. 
Failure to comply will result in LEGAL ACTION for willful and negligent noncompliance under FCRA - 616 and 617, and I reserve the right to pursue CIVIL DAMAGES in federal court. 
Formal Identity Theft Complaint to CFPB ( I, XXXX XXXX XXXX once again demand removal of fraudulent accounts to my consumer credit report. ) Underneath I provided the following ; XXXX  Complaint FTC Identity Theft Report Texas Notarized Statement of Facts letter CFPB Identity Theft Dispute Letter XXXX proof of identity theft DATA BREACH My valid Social Security. 
My valid Passport. 
My Valid Driver License. 
Pay Stub confirming my Physical Address where I live. 

Sincerely, XXXX 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