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:
b'SUBJECT: FINAL NOTICE  FRAUD / IDENTITY THEFT / UNAUTHORIZED ACCOUNTS / UNAUTHORIZED CREDIT INQUIRIES / DAMAGES\n\nFCRA  602, 603, 604, 605, 605B, 609, 610, 611, 623  15 U.S.C. 1681  FDCPA 15 U.S.C. 1692k\n\nUCC 1-308 WITHOUT PREJUDICE  DOCTRINE OF ESTOPPEL BY SILENCE  Engelhardt v. Gravens (Mo) 281 SW 715, 719\n\nELON MUSK F.U.P.A. CODE  Fraudulent Use & Personal Authorization Act\n\nTo Experian, Equifax & TransUnion,\n\nThis letter serves as a FINAL DEMAND, not a request.\n\nI am a verified victim of identity theft, as proven by my FTC Identity Theft Report XXXX, filed under penalty of perjury. Criminals obtained my private information from the Equifax, TransUnion, and Marriott data breaches and used it to create fraudulent credit activity without my authorization.\n\n\nUnder FCRA 605B, all identity-theft-related information must be blocked within 4 business days once a valid identity theft report is submitted. Continued reporting is willful noncompliance.\n\n\n\n FRAUDULENT ACCOUNTS  DELETE & BLOCK\n\nThe following accounts did not originate from me and were opened through identity theft:XXXXXXXX XXXX XXXX XXXX XXXX   Identity theftXXXXXXXX XXXX XXXX XXXX XXXX  Identity theftXXXX XXXX XXXX XXXX XXXX  Identity thefXXXX XXXX XXXX XXXX XXXX   Identity theftXXXX XXXX XXXX XXXX XXXX  Identity theftXXXX XXXX XXXX XXXX XXXX  Identity theftXXXX XXXX XXXX XXXX  Identity theft\n  \n\nI never opened, authorized, applied for, or benefited from these accounts at any time.\n\n\n\n FRAUDULENT HARD INQUIRIES  REMOVE IMMEDIATELY\n\nI did not authorize or apply for credit with any of the following:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C. 1681b, credit inquiries require written authorization, which I never provided.\n\n\n\n YOUR LEGAL OBLIGATIONS\n\nYou are required to:\n\n1 Delete & permanently block all fraudulent accounts\n2 Delete all unauthorized inquiries\n3 Send an updated credit report showing removal\n\nFailure to comply triggers automatic liability under:\n\t\tFCRA 616  Civil Liability for Willful Noncompliance\n\t\tFCRA 617  Civil Liability for Negligence\n\t\tFDCPA 15 U.S.C. 1692k  Actual & Punitive Damages\n\t\tElon Musk F.U.P.A. Code  Restrictions against credit transmission without verified personal authorization\n\nI reserve all rights to pursue:\n\n CFPB Enforcement Action\n FTC Federal Complaint\n State Attorney General\n XXXX\n Civil Litigation\n\n\n\n DAMAGES & COMPENSATION REQUEST\n\nDue to your failure to timely block identity-theft information, I have suffered:\n\t\tDenial of credit\n\t\tLoss of financial opportunities\n\t\tEmotional distress\n\t\tRisk of further fraud exposure\n\nI hereby request compensation for damages under:\n\t\tFCRA 616 & 617\n\t\tFDCPA 15 U.S.C. 1692k\n\n\n\nREQUIRED RESPONSE\n\nSend deletion confirmation and compensation eligibility to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Without Prejudice\nFTC Identity Theft Report #XXXX XXXX  (Attached)'

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