Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Re : Formal Dispute of Fraudulent Account ( s ) under FCRA Section 605B To Whom It May Concern, This letter serves as a formal dispute of fraudulent information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B. This section mandates the immediate blocking of information resulting from identity theft.

The following item ( s ) are fraudulent and must be removed immediately : 1. 
Creditor Name : XXXX/Account Number : XXXX / Reported Date : XXXX for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX XXXX/Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX Account Number : XXXX Reported Date : XXXX for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX Account Number : XXXX Reported Date : XXXX for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX XXXX XXXX/ Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX/ Account Number : XXXX Reported Date : XXXX for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX/ Account Number : XXXX Reported Date : XXXX Reasonfor Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
XXXX. 
Creditor Name : XXXX XXXX Account Number : XXXX Reported XXXX Reason for Dispute : This account is the result of identity theft. 
I am demanding the immediate and permanent removal of the fraudulent account ( s ) listed above from my credit report. Under 15 U.S.C. 1681c-2 ( Section 605B ), you are required to block this information from appearing on my credit report within four ( 4 ) business days of receiving this dispute. 
Enclosed are the following documents to support my claim : XXXX copy of my government-issued ID- Drivers License XXXX recent utility bill statement as proof of address. 
XXXX copy of the Identity Theft Report filed with [ Police Department/FTC ] on [ XXXX ], Report Number : XXXX Failure to comply with this request will be considered a direct violation of federal law. If this fraudulent information is not removed within the mandated timeframe, I will pursue legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). This is your final notice to take immediate action. I expect written confirmation that this fraudulent account has been blocked and permanently removed from my credit file. If you need additional information, contact me in writing at the address listed above. 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