Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14185189

Complaint Overview

Complaint ID: 14185189

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: Account information incorrect

State: Utah

ZIP Code: 84081

Date Received: 2025-06-19T12:00:00-05:00

Date Sent to Company: 2025-06-19T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC DELETED immediately. as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : REPORT NUMBER : XXXX ) Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX XXXX under the account number ( XXXX ). This account has resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached the FRAUDULENT ACCOUNT in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THIS ACCOUNT. I do not recognize the aforementioned account as reported. The aforementioned account on my consumer credit report maintained by you was not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I did not authorize the sharing of my non-public information or consent to its reporting. I was not given proper disclosures or the option to opt-out. Reporting without consent is fraud under 15 U.S. Code 1981b2 Permissible purposes. This is also in violation of my privacy rights under 15 U.S.C. 1681a ( 4 ). These accounts and inquiries must be block or deleted immediately from my consumer report, under law FCRA 605b. I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission associated with me. and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that is not All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the fraudulent ACCOUNT and from my credit report. 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

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