Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
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 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Removal of Unauthorized and Fraudulent Information from My Credit Report To Whom It May Concern, I am writing to formally demand the immediate removal of unauthorized and fraudulent information from my credit report. This complaint is directed at both [ Experian, XXXX ] and XXXX, which have displayed a willful disregard for federal law, consumer rights, and their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Despite providing a complete FTC Identity Theft Report, along with proof of my identity ( a valid drivers license ) and proof of address ( a [ Utility Bill/Form ] ), both agencies have failed to comply with 15 U.S.C. 1681c-2 ( FCRA Section 605A ). This section mandates that disputed information be blocked within 30 business days of receiving the appropriate documentation. Instead, I have been subjected to unlawful delays, including an unnecessary request for my Social Security Number ( SSN ), which is not required by federal law.

The request for my SSN is baseless, as federal law and your own guidelines clearly state that other forms of identification, such as a drivers license, SSN card, or utility bills, are sufficient for identity verification. Your refusal to comply with federal regulations is a direct violation of my rights. 

I demand that [ Experian, XXXX ] and XXXX take the following immediate actions : Remove all unauthorized accounts, names, addresses, and inquiries from my credit report. The following accounts are disputed and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX {$4900.00} Account XXXX XXXX XXXX balance {$1000.00} Account XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX balance {$4600.00} Account XXXX XXXX XXXX XXXX balance {$1500.00} Account XXXX XXXX XXXX XXXXXXXX balance {$1400.00} [ XXXX inquiry date XX/XX/XXXXXXXX XXXX XXXX inquiry day, XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX and XX/XX/XXXX ] Stop unlawful demands for unnecessary documents : Immediately cease your demand for my SSN, as it is not required under FCRA when requesting the blocking of fraudulent information. 
Provide written confirmation : Both agencies must provide written confirmation that the disputed information has been permanently blocked or removed from my credit reports. 
Cease and desist from unfair and deceptive practices : The failure to act on my identity theft dispute, despite providing all required documentation, constitutes a violation of Section 1681e ( b ) of the FCRA and Section 5 of the FTC Act ( 15 U.S.C. 45 ).

Failure to act will compel me to take the following actions : Escalation to Regulatory Authorities : I will file formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against [ Credit Reporting Agency Name ] and XXXX. 
Legal Remedies : I will pursue damages under the FCRA for the willful noncompliance, including statutory damages up to {$1000.00} per violation. If fraudulent reporting is proven, I will also seek treble damages under the RICO Act.

Public Advocacy : I will escalate this issue to consumer advocacy organizations and publicize these agencies ' misconduct to prevent further victimization of consumers.

As the FCRA and other consumer protection laws require prompt action, I expect the unauthorized entries to be blocked and corrected within 30 days from the receipt of this letter. Failure to meet these legal requirements will result in legal action, regulatory complaints, and public exposure.

I trust this matter will be resolved promptly, in full compliance with federal law. Please consider this letter my formal demand for immediate resolution. 

Sincerely, [ XXXX XXXX ]

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