Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft due to a data breach, and my Social Security number has been compromised. Under 15 U.S.C. 1681c-2 ( a ), you are legally required to block and remove all fraudulent information from my credit report within four business days of receiving this request. 

I have identified the following disputed items as fraudulent : XXXX XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and XXXX XXXX XXXX XXXX, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

You are legally required to take action. If you fail to remove this fraudulent information, I will file a small claims lawsuit against your agency. Each violation carries statutory damages of {$1000.00}, pursuant to 15 U.S.C. 1692k. The violations include, but are not limited to : Defamation of character Negligent enhancement of identity fraud Failure to comply with the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) Failure to comply with 15 U.S.C. 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 U.S.C. 1681b ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( 7 ) ) Violation of my right to privacy ( 15 U.S.C. 1681a ( 4 ) ) Failure to comply with consumer report requirements ( 15 U.S.C. 1681c ) I expect immediate action. Block and remove the fraudulent account and send me an updated copy of my credit report. 

XXXX XXXX XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and XXXX XXXX XXXX XXXX, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX This collection account is fraudulent and inaccurate. My personal data was compromised in both the Equifax and XXXX XXXX XXXX XXXX, which led to unauthorized accounts being reported. You have no valid documentation or legal proof of this debt. Under 15 U.S.C. 1681b and 15 U.S.C. 1692g, you are required to provide verified evidence of my liabilityand you have failed to do so. This issue is under active investigation. DELETE THIS ACCOUNT IMMEDIATELY. 

You are legally required to take action. If you fail to remove this fraudulent information, I will file a small claims lawsuit against your agency. Each violation carries statutory damages of {$1000.00}, pursuant to 15 U.S.C. 1692k. The violations include, but are not limited to : Defamation of character Negligent enhancement of identity fraud Failure to comply with the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) Failure to comply with 15 U.S.C. 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 U.S.C. 1681b ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( 7 ) ) Violation of my right to privacy ( 15 U.S.C. 1681a ( 4 ) ) Failure to comply with consumer report requirements ( 15 U.S.C. 1681c ) I am reminding you once again that you must remove any claims listed above or below that do not meet the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the reporting practices mandated by the CDIAs Metro 2 Compliance standards, then I contest the reportability of any such claim.

The Consumer Data Industry Association ( CDIA ) s Credit Reporting Resource Guide ( CRRG ) states : " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claims immediately from reporting, as I have requested. 

To ensure clarity, I require that all claims made against me are accurate, complete, and in full compliance with regulatory requirements. Any discrepancies or inadequacies in the claims could compromise their integrity, as referenced in CDIAs CRRG 34.

I am giving you 7 days from the date of this letter to review and modify the claims to meet the necessary standards of accuracy, completeness, and fairness. Failure to do so may result in legal action, which will result in greater liability and cost to your company. 

To verify compliant reporting, I request a notarized statement from a person with direct knowledge of the debt, confirming : The debt was legally incurred, It is not disputed due to returned, faulty, or recalled products, It was not claimed as a tax deduction or insurance loss at any point while it was due. 
Please provide the necessary proof of each claim made against me. 
I conclude my communication with you with a genuine sense of professionalism.

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