Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
Equifax XXXX. XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Subject : Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute several fraudulent accounts appearing on my credit report as a victim of identity theft, as documented in my Identity Theft Report ( FTC Report # XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S. Code 1681c-2 ), I request that the following fraudulent items be BLOCKED and REMOVED from my credit file immediately : - XXXX Opened XX/XX/XXXX, reported balance {$0.00} This account was fraudulently opened and closed in XXXX without my authorization. 
- XXXX XXXX Opened XX/XX/XXXX, balance {$5700.00} This is a fraudulent account not authorized by me. 
- XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, balance {$250.00} This is a fraudulent collection. I've previously disputed it. 
- XXXXXXXX XXXX Opened XX/XX/XXXX, balance {$470.00} This is a fraudulent credit card account. 
These accounts were opened without my knowledge or consent and are a direct result of identity theft. Per the FCRA XXXX, you are legally required to block the reporting of this information within XXXX business days of receiving proof of identity and the identity theft report. 
Furthermore, I am invoking my rights under : - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) - 15 U.S.C. 1692c ( c ) ( Cease & Desist of collection communications ) - UCC 1-308 ( Reservation of Rights ) Please remove all inquiries and negative marks related to these accounts and confirm the completion of these actions in writing.

Attached are copies of : - My government-issued ID - The FTC Identity Theft Report - Supporting evidence from my credit file Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ), the FTC, and the Ohio Attorney General. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Olmsted Falls, OH XXXX Phone : XXXX Email : XXXX Experian P.O. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX Subject : Identity Theft Dispute under FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute several fraudulent accounts appearing on my credit report as a victim of identity theft, as documented in my Identity Theft Report ( FTC Report # XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S. Code 1681c-2 ), I request that the following fraudulent items be BLOCKED and REMOVED from my credit file immediately : - XXXX  Opened XX/XX/XXXX, reported balance {$0.00} This account was fraudulently opened and closed in XXXX without my authorization. 
- XXXX XXXX Opened XX/XX/XXXX, balance {$5700.00} This is a fraudulent account not authorized by me. 
- XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, balance {$250.00} This is a fraudulent collection. I've previously disputed it. 
- XXXXXXXX XXXX  Opened XX/XX/XXXX, balance {$470.00} This is a fraudulent credit card account. 
These accounts were opened without my knowledge or consent and are a direct result of identity theft. Per the FCRA 605B, you are legally required to block the reporting of this information within 4 business days of receiving proof of identity and the identity theft report. 
Furthermore, I am invoking my rights under : - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) - 15 U.S.C. 1692c ( c ) ( Cease & Desist of collection communications ) - UCC 1-308 ( Reservation of Rights ) Please remove all inquiries and negative marks related to these accounts and confirm the completion of these actions in writing.

Attached are copies of : - My government-issued ID - The FTC Identity Theft Report - Supporting evidence from my credit file Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Ohio Attorney General. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Olmsted Falls, OH XXXX Phone : XXXX Email : XXXX TransUnion P.O. XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Subject : Identity Theft Dispute under FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute several fraudulent accounts appearing on my credit report as a victim of identity theft, as documented in my Identity Theft Report ( FTC Report # XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S. Code 1681c-2 ), I request that the following fraudulent items be BLOCKED and REMOVED from my credit file immediately : - XXXX Opened XX/XX/XXXX, reported balance {$0.00} This account was fraudulently opened and closed in XXXX without my authorization. 
- XXXX XXXX Opened XX/XX/XXXX, balance {$5700.00} This is a fraudulent account not authorized by me. 
- XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, balance {$250.00} This is a fraudulent collection. I've previously disputed it. 
- XXXXXXXX XXXX  Opened XX/XX/XXXX, balance {$470.00} This is a fraudulent credit card account. 
These accounts were opened without my knowledge or consent and are a direct result of identity theft. Per the FCRA 605B, you are legally required to block the reporting of this information within 4 business days of receiving proof of identity and the identity theft report.

Furthermore, I am invoking my rights under : - 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) - 15 U.S.C. 1692c ( c ) ( Cease & Desist of collection communications ) - UCC 1-308 ( Reservation of Rights ) Please remove all inquiries and negative marks related to these accounts and confirm the completion of these actions in writing. 
Attached are copies of : - My government-issued ID - The FTC Identity Theft Report - Supporting evidence from my credit file Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Ohio Attorney General. 
Sincerely, XXXX XXXX XXXX Without Prejudice

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