Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Formal Demand for Removal of Compromised Accounts and Immediate Action Due to Identity Theft. _______________ This letter serves as a final demand regarding multiple compromised accounts listed on my credit report that are the direct result of identity theft and a data breach in which my personal information was compromised. There are also account disputes that have not been updated within 30 days and that are reported inaccurately and incompletely. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and related federal and state laws. _________________ Over 30 days ago, I sent you a certified dispute letter ( return receipt requested ) regarding these compromised, inaccurate and incomplete accounts and demanded a reinvestigation in accordance with 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). You received this correspondence and the enclosed evidence, which included proof of identity theft, yet these accounts remain on my credit report with no justified resolution or removal. ______________ According to 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), you are required to block or remove any information resulting from identity theft when provided with proper notice, including : _________ A copy of a police report or FTC Identity Theft Report, _________ Identity Theft Affidavit _________ A statement from the consumer, _________ You are now in violation of this statute for continuing to report inaccurate and fraudulent data after being properly notified. The continued reporting of these accounts is causing me harm, obstructing financial opportunities, and violating my rights under federal law. __________ I am now formally demanding that you : _______ Immediately delete or block all incomplete and inaccurately reported accounts and compromised accounts associated with the identity theft and data breach. ________ Immediately delete Fraud Alert Statements or any other statements from my report. ________ Provide me with a written statement of your reinvestigation results as required by law. ___________ Cease and desist from continuing to report false, unauthorized, unverifiable, and disputed information. _________ Should you fail to comply within 15 days, I will take legal action against your agency for willful noncompliance and negligent violation of the FCRA in addition to seeking damages through civil litigation under 15 U.S. Code 1681n and 1681o. __________ I expect full compliance and removal of the following disputed accounts without delay. This is your final notice before legal action : __________ Reported Creditor : XXXX XXXX XXXX XXXXXXXX _______ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove immediately________________ Reported Creditor : XXXX  XXXX _______ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove immediately________________ Reported Creditor : XXXX XXXX _______ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove immediately________________ Reported Creditor : XXXX XXXX XXXX _______ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove immediately________________ Reported Creditor : XXXX XXXX _______ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove immediately________________ Reported Creditor : XXXX XXXX XXXX _______ Reported Original Creditor : XXXXXXXX XXXX XXXX ____________ Reported Date Opened : XX/XX/XXXX ________ Reported Acct # : XXXX ________ Dispute : Reinvestigation not completed and updated within 30 days _______ Dispute : Information Incomplete & Inaccurately reported_______ Dispute : Account Status is a result of data breach and identity theft ________ Demanded Action : Block and Remove 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