Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB Officer, I am submitting this formal, time-sensitive complaint against Experian, EquiFax, TransUnion Information Solutions , Inc. as a victim of identity theft under the Fair Credit Reporting Act ( FCRA ). This notice is made in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the prompt blocking of Page 1 Formal Identity Theft Complaint Against Experian fraudulent information, and FCRA 611 ( 15 U.S.C. 1681i ), which requires timely and thorough reinvestigation of disputed items on a consumer credit report. This letter serves as a demand for the immediate compliance of Experian under federal law. 
I am the victim of identity theft and have suffered significant and unjust harm as a result of numerous fraudulent accounts, collections, and inquiries appearing on my credit report. Despite providing comprehensive documentation, these items remain unlawfully on my report. I have attached and previously submitted to both CFPB and Experian : - A copy of my Texas Driver 's License, - U.S. Passport, - Social Security Number,- And FTC Identity Theft Report # XXXX. 
These documents constitute sufficient proof of identity and identity theft under federal law, as required by FCRA 605B. Therefore, Experian has no further obligation to request additional documentation and must act on this complaint without delay. 
Fraudulent and Unauthorized Items to Be Blocked Immediately The following accounts were fraudulently opened using my identity : - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, these accounts resulted in multiple unauthorized hard inquiries and fraudulent collection accounts, which I have documented and submitted alongside this report. 
Legal Obligations and Timeframe for Response Under FCRA 605B ( a ) ( 1 ) ( A ), Experian is required to block all information that resulted from identity theft within 4 business days of receiving this complaint. Furthermore, under FCRA 611 ( a ) ( 1 ) ( A ), Experian is obligated to reinvestigate and resolve any dispute within 30 days.

Let this serve as a final formal notice and demand for compliance. If Experian fails to act within these federal timeframes, it will be considered in willful and negligent noncompliance under FCRA Page 3 Formal Identity Theft Complaint Against Experian 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ), and subject to full legal liability, including actual damages, statutory damages, punitive damages, and attorney 's fees. 
No Additional Documentation is Required As established by the FTC Identity Theft Report and the identity verification documents I've already submitted, Experian is prohibited from requesting any further proof of identity or documentation, per the FTC 's interpretation of FCRA. This requirement has already been met in full. 
Relief Requested I hereby demand : 1. Immediate blocking of all fraudulent accounts, inquiries, and collections listed above within 4 business days as required by law.

2. Full deletion of all information associated with identity theft from my credit report. 
3. Written confirmation of the removal of these items sent to my email at XXXX. 
4. Completion of any reinvestigation pursuant to FCRA 611 within 30 days of receiving this complaint. 
Failure to comply will result in further legal escalation, and I reserve all rights to pursue civil damages in federal court under the FCRA and other applicable laws, including those under IRS Code 6050P related to erroneous debt collection reporting resulting from identity theft. 
Respectfully submitted,

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