Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian Attn : Experian Fraud Division / Special Handling / Dispute Processing XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL LAW To Whom It May Concern : I, XXXX XXXX, am writing with urgency and concern regarding unauthorized, inaccurate, and fraudulent account information being reported under my name. This correspondence serves as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all erroneous account data pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and applicable federal privacy laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) in accordance with 15 U.S.C. 1681g ( e ). I have also submitted formal disputes to TransUnion, Equifax, and Experian.

The following accounts were not authorized or acknowledged by me. They are the result of identity theft, possibly committed by a former or current employee of your organization or affiliates.

Fraudulent Accounts Reported Creditor : Fraudulent Accounts Reported -1. Creditor : XXXX XXXX Account # : XXXX  Date Opened : XX/XX/XXXX Original Balance : {$170.00} XXXX. Creditor : XXXX XXXX Account # : XXXX  Date Opened : XX/XX/XXXX Original Balance : {$1400.00} XXXX. Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Original Balance : {$64.00} XXXX. Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Original Balance : {$2300.00} XXXX. Creditor : XXXX XXXX Account # : XXXX Date Opened : [ Unknown ] Original Balance : {$330.00} Fraudulent Inquiry Creditor XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FACTUAL GROUNDS FOR REMOVAL These creditors have confirmed they have no valid contract, signed agreement, or account application linking me to these debts. 
There is no verifiable identity verification, transaction history, or authorization traceable to me.

These accounts were created without my consent and violate federal consumer protection laws.

LEGAL VIOLATIONS Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of data may not report information they know or should know is inaccurate. Once notified of a dispute, you are legally required under 15 U.S.C. 1681i to conduct a reasonable investigation and correct or delete any incorrect information.

Failure to do so may result in legal action. Notable case precedents include : Losch v. Experian Information Solutions , Inc., 995 F.3d 937 ( 11th Cir. 2021 ) Court found Experian failed to conduct a reasonable investigation, resulting in continued inaccurate reporting, and awarded compensatory and punitive damages.

Taylor v. Experian Information Solutions , Inc., No. 3:19-cv-00246 ( M.D. Tenn. 2020 ) Experian held liable for reporting false delinquency data despite repeated disputes by the consumer.

Huff v. Experian Information Solutions , Inc., No. 2:18-cv-00005 ( E.D. Va. 2019 ) Experian ordered to pay damages for failing to correct identity theft-related errors despite substantial evidence provided.

YOU ARE HEREBY INSTRUCTED TO : 1. Cease and desist from reporting or collecting on the referenced accounts.

2. Delete and expunge all related data from your systems and records.

3. Refrain from sharing my personal data with any third party without my express written consent.

4. Notify all CRAs of the permanent deletion.

5. Provide written confirmation of full compliance within five ( 5 ) calendar days of receiving this notice.

ATTACHED DOCUMENTS : FTC Identity Theft Complaint Supporting Documentation and Evidence of Fraud CONSEQUENCES OF NON-COMPLIANCE If Experian fails to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and applicable state authorities. I also reserve the right to pursue civil litigation for statutory, actual, and punitive damages. 

This notice serves as a final opportunity to resolve this matter without further escalation. Please respond in writing confirming full 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