Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Consumer : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX SUBJECT : FORMAL DISPUTE Identity Theft Unauthorized Reporting Deletion & Compensation Demand To Whom It May Concern, This letter is a formal dispute, identity theft notification, and demand for immediate deletion of unauthorized information appearing on my Experian consumer file. 

Attached is my FTC Identity Theft Report # XXXX, filed under penalty of perjury, confirming identity theft and fraudulent activity. 


Per FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian must block identity-theft-related information within four ( 4 ) business days of receiving a valid identity theft report.

PERSONAL IDENTIFIERS TO DELETE Experian is reporting personal information that is false and tied to identity theft. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other variation not matching my legal name Correct Name to Keep XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX, XXXX OH General Delivery, XXXX AZ XXXX XXXX XXXX XXXX, XXXX OH Any other incorrect variations Correct Addresses to Keep XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FRAUDULENT ACCOUNT TO DELETE IMMEDIATELY XXXX XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Total fraudulent amount : {$1500.00} Listed in FTC Identity Theft Report XXXX XXXX I never gave written authorization or wet-ink signature for XXXX or any third party to obtain or furnish my credit information. 
Therefore, Experian must permanently delete this account immediately.

FEDERAL LAW VIOLATIONS Continued reporting of identity-theft information violates : FCRA 602 Accuracy & Fairness FCRA 605B Mandatory 4-day identity theft block FCRA 611 Reinvestigation requirement FCRA 1681e ( b ) Maximum accuracy requirement FCRA 1681i Duty to delete unverifiable information FCRA 1681s-2 Furnishing information known to be inaccurate FDCPA 15 U.S.C. 1692e False representation FDCPA 15 U.S.C. 1692f Unfair practices FDCPA 15 U.S.C. 1692k Civil liability Automated database matching or e-OSCAR does NOT satisfy federal verification law. 

If Experian claims the XXXX account has been verified, Experian is legally required to provide : 1. Original application with my wet signature 2. Name and employer of the person who verified 3. Date, time, and method of verification 4. All documentation used to verify MONETARY COMPENSATION DEMAND Because Experian continued to report identity-theft information, I have suffered : Credit denial Increased interest rates Emotional distress Damage to financial reputation Under federal law : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance 15 U.S.C. 1692k Civil liability for actual, statutory & punitive damages I am seeking monetary compensation of {$25000.00} to resolve damages caused by Experians continued reporting of false and unverified information.

This request does not waive any rights if compliance is not met.

DEADLINE You have 30 days from receipt of this notice to : Delete all inaccurate names Delete all inaccurate addresses Delete XXXX XXXXXXXX Delete ANY information that is not accurate Provide written confirmation of all deletions Provide a written response to the {$25000.00} compensation demand Failure to comply will result in escalation to : CFPB FTC Nevada & Ohio Attorneys General XXXX  National Programs Federal civil action FINAL NOTICE Do not mark this information as disputed.

Under federal law, the items above must be completely deleted. 

Sincerely, XXXX 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