Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized 2017 data breach of your institution, resulting in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable. 

This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are legally required to act swiftly and decisively to resolve this issue. 

Fraudulent Accounts 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, Balance : {$400.00} These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable. 

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts.

These laws are clear and non-negotiable. I expect immediate action to remove the fraudulent accounts, stop all collection activities, and provide written confirmation of such within the legal timeframe. 

Final Demand for Resolution I would like to remind you that this issue arises directly from your failure to adequately protect consumer data during the 2017 breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation. 

Failure to comply with the law and resolve this issue will result in severe consequences. This is a final demand for immediate and complete resolution of the matter. I expect confirmation in writing that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have been immediately ceased. 
Should you fail to take the necessary actions within the specified timeframe, I will have no choice but to escalate this issue through every available legal and regulatory channel, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 

This is your final warning. I expect this matter to be resolved immediately.

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