Consumer complaint received 2025-05-28 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : XXXX  Data Breach Identity Theft Report and URGENT Request for Fraudulent Account Removal Pursuant to FCRA 605B Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal of fraudulent accounts appearing on my consumer credit report, as they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am submitting this FTC Identity Theft Affidavit as supporting documentation for my claim. These accounts were fraudulently opened in my name without my knowledge or consent.

Additionally, I have also filed a CFPB, FTC report complaint requesting that, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint.

Furthermore, the continued reporting of these fraudulent accounts and inquiries is not only a violation of the Fair Credit Reporting Act, but also a direct contributor to financial injury, defamation of character, and negligent enablement of identity fraud. I never received any written notice within five days regarding these accounts as required under 15 U.S.C. 1692g, nor have I ever acknowledged or validated this debt.

Be advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the Better Business Bureau regarding this matter.

If these accounts are not removed, or if I do not receive a proper investigation outcome and documentation immediately, I will pursue legal remedies including but not limited to : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. Penalty of Perjury 6. Violations of 15 U.S.C. 1692g, 1692a 7. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) This letter is formally written by me, XXXX XXXX XXXX XXXX and not by a third party or representative. 

The following accounts are fraudulent and inaccurate : XXXX. XXXX XXXX  Account Number : XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$77000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$240.00} Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries appearing on my credit report. I do not recognize the following inquiries and believe they are a result of the same identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : 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 The following employer information is inaccurate and should also be removed : 1. Customer Lobby 2. Conduent Inc I formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block all the fraudulent accounts, collections, and hard inquiries identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and the attached documentation.

Enclosed Supporting Documents Copy of my government-issued ID ( Drivers License/State ID ) Copy of a recent utility bill for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint Copy of Data Breach Better Business Bureau Complaint Attorney General Complaint I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX further information be required. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Affidavit of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Experian. 
My residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Social Security XXXX XXXX XXXX My Date of Birth is XX/XX/XXXX My email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief.

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