Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove or Block Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally report that I am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or consent, and these accounts are being reported on my credit reports. 

I respectfully request that the items below be investigated, removed, or blocked from my credit reports as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2. 

Fraudulent Accounts Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$71000.00} At the time these accounts were created, I was incarcerated and had no ability to apply for or access credit. These fraudulent accounts have caused significant financial and emotional harm, and I am taking all necessary steps to resolve this matter. 

FCRA Protection and Your Responsibility Under the FCRA, credit reporting agencies are required to block and/or remove fraudulent accounts from a consumer 's credit report once they receive proper documentation of identity theft. Specifically : 15 U.S.C. 1681c-2 states that when a consumer provides proof of identity theft, including a police report or affidavit, credit reporting agencies must block the reporting of information related to fraudulent accounts. 
Failure to act promptly can result in liability for damages, including statutory or punitive damages, as outlined in the FCRA. 
Supporting Documentation I have enclosed the following documents to substantiate my claims : A copy of my government-issued ID ( drivers license ). 
Proof of my current address ( utility bill ). 
A copy of the police report filed regarding the identity theft. 
Documentation verifying my incarceration and inability to create or access accounts at the time these accounts were opened. 
Next Steps I request that the fraudulent accounts listed above be investigated and immediately removed or blocked from my credit reports. Additionally, I ask that any inquiries or associated collections related to these accounts be removed as they are unauthorized and a direct result of the identity theft. 

Please send me a written confirmation once the fraudulent items have been blocked or removed. If additional information or documentation is needed, do not hesitate to contact me at ( XXXX ) XXXX or via email at [ Your Email Address ]. 

Conclusion I trust that the CFPB, Experian, XXXX, and XXXX will take the necessary steps to address this issue in accordance with federal law. Thank you for your immediate attention to this matter. 

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