Consumer complaint received 2024-12-18 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: MI

Complaint narrative:
Request for Blocking and Removal of Fraudulent Information Due to Identity Theft** Dear CREDIT BUREAUS, I would like to express my deep displeasure regarding the situation at hand. I appreciate your attention to this matter. I trust this correspondence reaches you in good health. I am reaching out to formally contest the inaccurate information that has been identified on my credit report. Regrettably, I have been affected by the XXXX data breach, resulting in my identity being compromised. I have taken the necessary steps by contacting the Federal Trade Commission ( FTC ) and submitting an official report of identity theft, a copy of which is enclosed for your perusal. Thank you for your prompt attention to this urgent matter. Sincerely, Your Name Per **15 U.S.C. 1681c-2 ( c ) ( a ) **, credit reporting agencies are required to block and remove any information identified as fraudulent within **four business days** of receiving a complaint regarding identity theft. Therefore, I am requesting the immediate blocking and removal of all information related to the fraudulent activity on my credit report. 

Specifically, this includes all accounts, inquiries, and other records resulting from the identity theft detailed in the enclosed FTC report. Upon completing this request, I expect to receive an updated credit report reflecting these corrections. 


Failure to respond satisfactorily within the legally mandated timeframe will result in a small claims action against Experian. I will be seeking damages, including but not limited to, the following violations, each carrying a statutory penalty of {$1000.00} per instance in accordance with **15 U.S.C. 1692k** : XXXX XXXX identity theft, please delete XXXX XXXX XXXX XXXXXXXX Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX theft please delete Its a totally different account number on Experian which is note accurate across all bureaus XXXX XXXX XXXX XXXX Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the fie accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date of which the agency receives the notice of the dispute from the consumer or reseller. 
Original Creditor : 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 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