Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Today 's Date XX/XX/XXXX DOB- XX/XX/XXXX SSN- XXXX ( FTC XXXX ) - XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Identity Theft Dispute under FCRA 605B To Whom It May Concern, I am writing to formally dispute fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ) 605B, due to identity theft. Between the year XXXX very important documents that verified my immigration status were lost. Included in those documents were my XXXX XXXX, Social Security, XXXX ID, and files that noted down any important detail about my life. It took me a very long time to replace most of those documents. I decided for the first time to create an account on these credit bureaus and have seen that there is a lot of false information attached to my credit profile. I truly believe these accounts were opened by a 3rd party who found my lost information but never turned them in.

As an immigrant I was unaware of how easy it was for people to steal your identity. I am hoping for the best results regarding the following accounts below.

The accounts listed below do not belong to me and were fraudulently opened using my personal information.

I have attached a copy of my Identity Theft Report, as well as supporting documents, including a government-issued ID and proof of address. Pursuant to 605B of the FCRA, I request that you immediately block the fraudulent information from my credit report and take the necessary steps to prevent it from being reinserted in the future. 


The fraudulent accounts in question are as follows : 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 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 I demand that these accounts be blocked from my credit report immediately and that any and all inquiries related to these fraudulent accounts be removed as well.

Under 605B ( c ) of the FCRA, you are required to block the fraudulent information within four business days of receipt of this valid identity theft report. Failure to comply will result in further legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal recourse. 

Please send me written confirmation that these accounts have been blocked and removed from my credit report within the required time frame. Thank you for your prompt attention to this matter. 

Sincerely, 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