Consumer complaint received 2025-11-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Identity Theft / Data Breach Demand for Investigation and Blocking of Fraudulent Information under FCRA 609 , 611, and 605B To Whom It May Concern, I am submitting this letter as a formal dispute of inaccurate and fraudulent information appearing on my Equifax credit report. I have reason to believe the disputed items are the result of identity theft connected to the Equifax data breach, during which my personal identifying information was compromised. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I dispute the following items : Creditor/Account Name : XXXX XXXX  Account Number : XXXX Basis for Dispute : Identity theft/ I did not authorize or open this account. 

Creditor/Account Name : XXXX  XXXX Account Number : XXXX Basis for Dispute : Identity theft/ I did not authorize or open this account. 

Creditor/Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Basis for Dispute : Identity theft/ I did not authorize or open this account. 

Creditor/Account Name : XXXX  XXXX Account Number : XXXX Basis for Dispute : Identity theft/ I did not authorize or open this account. 

The following inquires are also a result of my personal information being compromised : -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 LEGAL BASIS FOR THIS DISPUTE 1 . FCRA 609 ( a ) ( 1 ) Right to Information I am requesting the full file information associated with each disputed account, including the name of the furnisher, date of account opening, and any documents used to verify the account.

2. FCRA 611 ( a ) Right to an Investigation Under FCRA 611, you are required to conduct a reasonable reinvestigation of the disputed items and provide me with written results within 30 days.

3. FCRA 605B Blocking of Information Resulting from Identity Theft Because these accounts were opened fraudulently, I request that Equifax block the reporting of the disputed information within four business days of receiving : My identity-theft report ( police report or FTC Identity Theft Report ), and Proof of my identity.

4. FCRA 602 Congressional Intent Identity theft and inaccurate credit reporting cause substantial harm to consumers. Congress directs credit bureaus to protect consumer confidentiality and accuracy under 602 ( a ). I expect Equifax to comply with these statutory responsibilities.

DOCUMENTS INCLUDED I am attaching copies of the following : Government-issued ID Proof of address Police report or FTC Identity Theft Report ( if available ) Any documents showing the accounts are fraudulent ACTIONS REQUESTED I request that Equifax : Investigate each disputed item under FCRA 611 ; Block and remove all identity-theft-related information under FCRA 605B ; Provide written confirmation of : deletion/blocking of fraudulent items, the results of your reinvestigation, and an updated copy of my credit report.

Please send all communications to the address listed above. 

Thank you for your cooperation. 

Sincerely, 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