Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
I am contacting Experian to formally dispute the unauthorized and fraudulent information that has appeared on my credit report. As a victim of identity theft, including the XXXX breach and the XXXX data breach, my personal information has been compromised including, resulting in a fraudulent account and inquiries. Notably, my name, XXXX XXXX, along with my Social Security number, were exposed including 13 breaches associated with my address. Also, theres 6 Critical Exposures associated with my SSN and other credit information. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the Breach : The XXXX breach exposed the following personal information : Full name Social Security number Date of birth Address history Employment information Financial account numbers This breach has led to the creation of fraudulent accounts and inquiries on my credit report. I have attached supporting documents, including my FTC Identity Theft Report and the notification letter regarding the breach. 



Disputed Items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts and/or inquiries were made without my consent or knowledge. Under FCRA 605B, I request that these items be blocked from my credit report. 
Requested Actions : 1. Immediate Investigation : Please conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken.

2. Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, please remove or block the disputed items from my credit report within the legally required time frame.

3. Fraud Alert : Please extend or renew the fraud alert on my file to notify creditors of this identity theft incident. 
I am also asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I have reason to believe my credit file has been subject to improper investigations or reporting practices, leading to the inaccurate reporting of my information. Additionally, I am concerned that Experians handling of my credit file may violate my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report.

I request that you promptly investigate this matter and provide me with a corrected version of my credit report within the time frame required by law. If the disputed items can not be verified, I expect them to be immediately removed from my report. I also request confirmation that any inaccurate or unverifiable information will not continue to be reported on my file. 
Thank you for your attention to this matter. I look forward to your response. 

Enclosed Documents : Copy of government-issued ID Utility Bill FTC Identity Theft Report Notification letter of the XXXX breach Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Last 4 digits of SSN : XXXX XXXX said : XXXX Certainly! Heres a revised version of your letter : Subject : Dispute of Unauthorized and Fraudulent Information on Credit Report Dear Sir/Madam, I am writing to formally dispute unauthorized and fraudulent information that has appeared on my credit report. As a victim of identity theft, including the XXXX breach and the XXXX data breach, my personal information has been compromised, leading to fraudulent accounts and inquiries appearing on my file. My name, XXXX XXXX, along with my Social Security number, were exposed in these breaches, and I have been affected by 13 breaches associated with my address and 6 critical exposures related to my SSN and other credit details. 

I request an immediate investigation into the following disputed items, in accordance with the Fair Credit Reporting Act ( FCRA ) : Details of the Breach : The XXXX breach exposed the following personal information : Full Name Social Security Number Date of Birth Address History Employment Information Financial Account Numbers This breach has led to the creation of fraudulent accounts and inquiries on my credit report. Attached are supporting documents, including my FTC Identity Theft Report and the notification letter regarding the breach. 

Disputed Items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and/or inquiries were made without my knowledge or consent. Under FCRA 605B, I request that these items be blocked from my credit report. 

Requested Actions : Immediate Investigation : Please conduct a thorough review of the disputed items and provide a written response detailing the findings and actions taken. 
Removal of Fraudulent Information : In accordance with FCRA 611 and 605B, I request that the disputed items be removed or blocked from my credit report within the legally required time frame. 
Fraud Alert : Please extend or renew the fraud alert on my file to notify creditors of this identity theft incident.

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, as well as my right to privacy under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I believe my credit file has been subject to improper investigations or reporting practices, which has led to inaccurate reporting. I am concerned that Experians handling of my credit file may violate my privacy rights under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report.

I request that you investigate this matter promptly and provide me with a corrected version of my credit report within the required time frame. If the disputed items can not be verified, I expect them to be immediately removed from my report. Additionally, please confirm that any inaccurate or unverifiable information will no longer be reported on my file. 

Thank you for your attention to this matter. I look forward to receiving your response. 

Enclosed Documents : Copy of government-issued ID Utility Bill FTC Identity Theft Report XXXX  breach notification letter Contact Information : Please confirm receipt of this letter and notify me in writing once the investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Last 4 digits of SSN : 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