Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts 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 amer.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I am writing to formally dispute inaccuracies on my credit report that have resulted from a data breach, as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA, I am requesting a thorough investigation into the items listed below.

I believe that the following information on my credit report is inaccurate due to unauthorized access : Due to the recent data breach affecting my personal information, I am concerned that my credit report may contain unauthorized and fraudulent entries that could damage my creditworthiness. The Identity Theft and XXXX XXXX XXXX ( 18 U.S.C. 1028 ) gives me the right to dispute information I believe is the result of identity theft, and I would like to assert this right. 

I kindly request that you conduct a comprehensive investigation in accordance with Section 611 of the FCRA, which mandates that you must investigate my dispute within 30 days. Additionally, I expect to receive written verification of the findings of your investigation and, if applicable, an updated copy of my credit report.

Enclosed are copies of my identification, proof of residence, and any other supporting documentation demonstrating my claim. I have also included a copy of my credit report for your review.

Please address this matter with the urgency it requires, as the inaccuracies on my credit report could significantly impact my financial health. Should you require any additional information or documentation, do not hesitate to reach out to me at the contact details provided above.

Thank you for your prompt attention to this matter.

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days.

I am writing to formally dispute certain entries in my credit report under the Fair Credit Reporting Act ( FCRA ), particularly addressing the issues outlined in 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ).

1. * * Challenge to 30-Day Response Time ( 15 USC 1681i ( a ) ( 1 ) ) * * : I request that you provide a response to my dispute within the 30-day timeframe mandated by federal law. It has come to my attention that this time frame may not have been adhered to in my case, and I require immediate clarifica

tion on this matter. 2. * * Challenge to Investigation Protocol ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ) ) * * : Furthermore, I challenge the investigation protocols that have been employed in reviewing my dispute. I believe that the investigation did not adequately consider the information I provided, nor did it follow the procedures prescribed by law to ensure an accurate determination.

3. * * Challenge to Reinsertion Protocols ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) * * : Lastly, I am concerned about the reinsertion protocols pertaining to any information that is found to be inaccurate or unverifiable. Should any information be reinstated, I expect to be notified in writing, with a detailed explanation and the appropriate documentation.

Given the significance of these issues on my credit standing, I urge you to take prompt action to rectify these concerns. Please provide me with a written response detailing how each of these matters will be handled and the steps that will be taken to ensure compliance with the protections afforded by the FCRA.

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