Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Identity Theft Notification Legal Demand to Delete Unverified Accounts and Inquiries Under 15 U.S.C. 1681b and 1681c-2 | FTC Identity Theft Report # XXXX on File Dear Experian Legal Department, This letter serves as a formal legal notice and demand to delete all unauthorized, unverified, or potentially fraudulent accounts and inquiries currently being reported on my Experian credit file. I have filed an official identity theft report with XXXX ( FTC Report # XXXX ) and have submitted dispute letters dated XX/XX/XXXX, with no lawful resolution or documentation received. 

I have not granted Experian or any furnisher permission to report or sell my personal data. I have not entered into agreements or contracts for the accounts listed below, and these entries are being maintained without a permissible purpose, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681c-2, Experian is prohibited from reporting any information resulting from identity theft once official notice has been provided which this letter and FTC Report represent. I also note that many furnishers can not provide original applications or documentation with my wet signature, as no such documentation exists. You are legally obligated to delete these items without delay.

Disputed Accounts ( Must Be Permanently Deleted ) COMENITYCB/LENDINGCLUB Acct # XXXXXXXX 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 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 XXXXXX/XX/XXXX Legal Basis for Immediate Deletion :

15 U.S.C. 1681b These entries are being reported with no valid authorization or permissible purpose. 15 U.S.C. 1681c-2 You are now legally obligated to block and remove information tied to identity theft. A CFPB complaint may be opened if continue d failure to verify or remove persists, and further violations under 15 U.S.C. 1681i will be documented. I also remind you that the continued publication or furnishing of these unverifiable entries will be treated as willful noncompliance with federal law. Required Action : Permanently delete all accounts and inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease all furnishing, selling, or reselling of my data without express documented authorization Failure to Comply Will Result In : Escalated complaints with the FTC, CFPB, and New Jersey Attorney General Civil litigation for violations of 15 U.S.C. 1681n and 1681o A demand for statutory, actual, and punitive damages This is your final opportunity to comply with federal law. I expect full deletion and a written response within the timeframe provided.

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