Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to request the immediate blocking and deletion of certain fraudulent accounts from my credit report, pursuant to my rights under federal law as a victim of identity theft and due to the data breach suffered by XXXXXXXX XXXX XXXX. As a result of this data breach, unauthorized individuals gained access to my personal information, including my Social Security number, date of birth, and other sensitive data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX  announced a data breach that exposed the personal information of over XXXX XXXX people, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers and credit card details. The breach was a direct violation of the companys duty to protect the personal information of consumers and subjected millions of individuals, including myself, to the risk of identity theft. 
As a result of this breach, I have been a victim of identity theft, with fraudulent accounts being opened in my name without my consent. Under 15 U.S. Code 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to have these fraudulent items blocked from my credit report.

Applicable Law : 15 U.S. Code 1681c-2 ( a ) According to this law, a consumer reporting agency such as XXXX  is required to block the reporting of any information in a consumers credit file that the consumer identifies as a result of identity theft, provided the consumer submits : 1. Proof of identity 2. A copy of an identity theft report ; 3. Identification of the fraudulent information ; 4. A statement that the information is not related to any transaction by consumer. Proof of identity ; A copy of an identity theft report ; Identification of the fraudulent information ; and the compliance with this legal requirement, I am providing fraudulent proof of my identity ( enclosed ). A copy of my identity theft report ( enclosed ). A list of the fraudulent accounts ( provided below ). A statement affirming that these accounts were not authorized by me and are The following accounts were opened without my consent and must be blocked and permanently deleted from my credit report 15 U.S. Code 1681c-2 ( a ) Obligation to Remove Fraudulent Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) Duty to Block Identity Theft-Related Information 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Accuracy 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Requirement for a Reasonable Investigation 15 U.S. Code 1681c ( a ) Prohibition on Reporting Obsolete Information 15 U.S. Code 1681g ( a ) Right to Clear and Accurate Information 15 U.S. Code 6801 Protection of Nonpublic Personal Information 15 U.S. Code 6802 Restrictions on Disclosure of Consumer Information 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) Prohibition of Unfair and Deceptive Practices Furthermore, my personal identifying information was compromised in the XXXX  XXXX  Data Breach, which exposed XXXX XXXX XXXX to fraud due to XXXX  gross negligence. As a result, fraudulent accounts have been unlawfully reported in my name. 
Additionally, Experian and XXXX are currently facing lawsuits by the CFPB for failing to properly investigate consumer disputes. Given this legal precedent, I demand that my dispute be handled with heightened scrutiny and NOT be processed through the flawed e-OSCAR system. You are legally required to conduct a manual, thorough reinvestigation in compliance with FCRA 1681i ( a ) ( 1 ) ( A ) and FACTA 312. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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