Consumer complaint received 2025-06-05 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 XXXXXX/XX/XXXX Experian PXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Urgent Request for Removal of Fraudulent Information & Notice of Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent and inaccurate entries that have appeared on my Experian credit file. This letter serves as official notice that I am a victim of identity theft and was also affected by the XXXX data breach, which compromised my personal information and left me vulnerable to further fraudulent use. 
The accounts and inquiries in question were not authorized by me and are the result of identity fraud. Their presence on my credit report is false, damaging, and in direct violation of federal law.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am demanding the immediate removal of all fraudulent items within four ( 4 ) business days of your receipt of this letter. Failure to act constitutes a breach of federal law.

Additionally, per FCRA 611 ( a ) ( 1 ) ( A ), I am requesting a complete reinvestigation of these items and demand written documentation explaining the method used to verify the disputed information. This must be provided within five ( 5 ) days after completion of your reinvestigation. 
Disputed Item : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2000.00} Reason for Dispute : This account was not authorized, opened, or acknowledged by me and is the result of identity theft. 
Enclosed Supporting Documents : Government-issued photo ID Proof of current address ( utility bill or lease ) Identity Theft Report Social Security Card Experian Lawsuit XXXX XXXX XXXX XXXX Attorney General Complaint FTC Report FCRA 605B You are also in violation of the following federal consumer protection laws : 15 U.S.C. 1692g No written validation of debt provided 15 U.S.C. 1681b Lack of permissible purpose for reporting 15 U.S.C. 1681s-2 ( b ) Failure to correct inaccurate or unverifiable information If these items are not removed and a proper response is not provided within 5 calendar days, I will proceed with legal action based on : 1. Defamation of character 2. Financial injury 3. Negligent enablement of identity theft 4. Violations of the FCRA and FDCPA 5. Misleading and false reporting 6. Civil liability under 15 U.S.C. 1681n and 1681o Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any previously deleted information is reinserted, you are required to notify me in writing within five ( 5 ) business days.

I have filed complaints with the FTC, Consumer Financial Protection Bureau, Attorney Generals Office, and the XXXX XXXX XXXXau. All further communication will be documented for legal purposes. 
This is your final notice. Comply with federal law and remove the fraudulent entry immediately. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : 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