Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Report and Demand for Immediate Correction under Federal Law To Whom It May Concern : I, XXXX XXXX, am formally notifying the FTC and each of the above credit bureaus that I am the victim of identity theft and that false, inaccurate, and unvalidated credit data is being reported in my name. I have never given consentverbal or writtenfor any of the accounts, inquiries, or extensions of credit currently reported that I dispute. My reports since XXXX have been systematically ignored or inadequately addressed. 

Notice and Demands : No Consent & Rights Reserved : I have not consented, verbally or in writing, to any disputed item reported in my credit file. Any further reporting or dissemination of such information is without my authorization and in violation of my rights under federal law. 

Demand for Written Validation : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), and applicable constitutional and consumer protection statutes, I demand the immediate removal or investigation of all contested items unless you can supply me with a written affidavit and documentary proof validating their accuracy, origin, and my written consent. 

Non-Response and Ongoing Violations : Despite my repeated written disputes and requests since XXXX, TransUnion, Experian, and Equifax have failed to respond or cure the inaccuracies as required by law, continuing to violate my civil and consumer rights, privacy, and protections against defamation and unauthorized use of my information. Continued reporting also interferes with my copyright and trademark interests in my personal data. 

Demand for Damages and Notice of Penalty : Under 15 U.S.C. 1681n and 1681o and other applicable statutes, you are liable for statutory and actual damages for each day of willful or negligent non-compliance. I hereby demand penalties of {$2000.00} per day for each day inaccurate or defamatory information remains on my file after this formal notification. 

Immediate Action Required : Block, remove, or correct all unvalidated or unauthorized tradelines and inquiries. 
Provide me with a detailed, written validation or investigation response within 30 days as required by law. 
Cease and desist all further dissemination of unverified or disputed information. 

If you do not comply, I reserve my right to pursue formal complaints and civil actions against you with the FTC, CFPB, Attorney General, and in federal court. Please provide a written affidavit of validation or deletion for each disputed item.

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