Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10965183
Complaint Overview
Complaint ID: 10965183
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Utah
ZIP Code: 84045
Date Received: 2024-11-27T12:00:00-05:00
Date Sent to Company: 2024-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file. This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : XXXX XXXX XXXX XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting. In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request. To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX Date Opened : XX/XX/2024 Balance Owed : {$1800.00} XXXX. XXXX XXXX number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXXXXXX ). " I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. A written statement once the accounts and information have been blocked and removed from my credit report. An updated copy of my credit report reflecting the changes made. Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #10965183 about?
Complaint #10965183 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-27T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.