Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
IDENTITY THEFT FORMAL REQUEST FOR BLOCKING FRAUDULENT INFORMATION Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2 To Whom It May Concern : My name is XXXX XXXX XXXX XXXX XXXX and I am submitting this formal identity theft statement pursuant to FCRA 605B. I am requesting the immediate blocking and permanent removal of all fraudulent accounts and unauthorized hard inquiries that were created using my personal information without my knowledge or consent.

I am providing the required documentation under 605B, including : 1. FTC Identity Theft Report, and 2. Government-issued identification with my current address These documents verify my identity and prove that the credit information listed below resulted entirely from identity theft. 

-- - I. FRAUDULENT HARD INQUIRIES The following hard inquiries were made without my authorization. These inquiries are the result of fraudulent credit applications submitted by an unknown individual and must be deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Additional unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All of these inquiries were made as part of unauthorized credit applications that I did not initiate. 

-- - II. FRAUDULENT CREDIT ACCOUNTS The following accounts were opened in my name without my knowledge or authorization. They must be immediately blocked and permanently removed under FCRA 605B : XXXX XXXX  XXXX  XXXX XXXX Date : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Charges : {$960.00} XXXX XXXX XXXX XXXX Fraud Start Date : XX/XX/XXXX Date XXXX  : XX/XX/XXXX Fraudulent Charges : {$730.00} I did not apply for, authorize, or use either of these accounts. They are the result of identity theft. 

-- - III. LEGAL BASIS FCRA 605B Under FCRA 605B, consumer reporting agencies are required to : Block all information resulting from identity theft Block the information within four ( 4 ) business days of receiving : Proof of identity A copy of the FTC Identity Theft Report Identification of fraudulent accounts and inquiries Once blocked, neither the credit bureaus nor furnishers may reinsert or re-report this fraudulent information unless strict legal requirements are met.

-- - IV. REQUIRED ACTION I am formally requesting : 1. Immediate blocking and permanent deletion of all fraudulent accounts listed above under FCRA 605B 2. Immediate removal of all unauthorized hard inquiries 3. Notification to all furnishers involved, as required by 605B ( c ) 4. Written confirmation that all fraudulent items have been permanently removed Thank you for your prompt attention to this identity theft matter. Please send confirmation of the actions taken to the address shown on my identification. 

Sincerely, XXXX 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