Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX : FINAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA SECTION 605B** To Whom It May Concern : This letter serves as a **FINAL DEMAND** for the immediate removal of fraudulent information that your agency continues to report in blatant violation of federal law. I have previously submitted a valid FTC Identity Theft Report ( Reference # [ Insert Reference Number ] ) and provided all necessary documentation required under the Fair Credit Reporting Act ( FCRA ) Section 605B to demand that the following fraudulent account ( XXXX ) be permanently blocked from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued reporting of this fraudulent account is illegal. Under FCRA Section 605B, once I have provided an identity theft report, you are required to **BLOCK** the fraudulent information **within four ( 4 ) business days**. Instead, your agency has unlawfully relied on an unverifiable response from the creditor, despite the fact that I have repeatedly informed you that this account is the result of identity theft, and the creditor has failed to provide **ANY PROOF** of goods or services received. 

Let me be clear : **your agencys failure to remove this fraudulent information is a direct violation of the FCRA**. You are not only neglecting your legal obligations, but you are also actively causing harm to my credit, my finances, and my personal life. You are exposing yourself to legal liability for this egregious conduct. 

# # # My final demands are as follows : XXXX. **IMMEDIATE and PERMANENT REMOVAL** of the fraudulent account ( XXXX ) from my credit report. 
XXXX. **Written confirmation** that the fraudulent account ( XXXX ) have been removed, to be delivered within XXXX ( XXXX ) business days. 
XXXX. **Immediate cessation of any further reporting** of this account to any and all credit bureaus. 

# # # Notice of Delivery : This letter is being sent to you **via certified mail** to ensure you receive it, and I am simultaneously submitting a copy of this letter through the CFPB online portal to ensure this communication is documented and received by your agency through multiple channels.

If these demands are not met, I will take the following actions without hesitation : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to report your agencys blatant violation of my rights under the FCRA.

- File complaints with the Attorney Generals office in my state and pursue any available consumer protection measures at the federal and state level.

- Pursue immediate legal action against your agency for actual damages, statutory damages, and punitive damages for willful non-compliance with the FCRA. This will include the recovery of attorneys fees and court costs, as your agency has now willfully neglected its legal obligations. 

This is your final opportunity to comply with federal law. If I do not receive confirmation that the fraudulent account has been removed within the next XXXX ( XXXX ) business days, I will proceed with legal action without further notice.