Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
This is a final legal notice and demand under the Fair Credit Reporting Act ( FCRA ). You are reporting accounts and inquiries on my consumer file that are fraudulent, inaccurate, unauthorized, and unverifiable. If these items are not permanently removed within 30 calendar days, I will pursue all available remedies including regulatory complaints and civil litigation for actual, statutory, and punitive damages.

These entries were reported in violation of 15 U.S.C. 1681i ( failure to reinvestigate ), 1681b ( f ) ( no permissible purpose ), 1681e ( b ) ( failure to ensure accuracy ), and 1681n & 1681o ( civil liability ). You are now on formal notice. 

DISPUTED ACCOUNTS DELETE FROM EQUIFAX AND EXPERIAN IMMEDIATELY These accounts were never authorized, contracted, or agreed to by me. If you can not produce signed, original documentation confirming my consent or obligation, they are legally unverifiable and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian These tradelines are being reported inaccurately, in violation of federal law, and with no verifiable consumer relationship. Immediate removal is mandatory. 

UNAUTHORIZED INQUIRIES DELETE IMMEDIATELY The following inquiries were made without my consent or initiation, and are not backed by any permissible purpose under the FCRA. They must be deleted from my credit reports immediately : XX/XX/year> XXXX XXXX ( TransUnion ) XX/XX/year> XXXX ( Experian ) XX/XX/year> XXXX XXXX ( TransUnion ) XX/XX/year> XXXX XXXX XXXX  TransUnion ), XXXX XXXX XXXX ( Experian ) XX/XX/year> XXXX XXXX XXXX  TransUnion ), XXXX XXXX ( TransUnion ) XX/XX/year> XXXX XXXX  ( TransUnion, Experian ) XX/XX/year> XXXXXXXX XXXX ( TransUnion ) XX/XX/year> XXXX XXXX XXXX TransUnion ) XXXX XXXX XXXX XXXX  Equifax ) XXXX XXXX XXXX XXXX Equifax ) XX/XX/year>XXXX XXXX  ( Experian ) Under 15 U.S.C. 1681b ( f ), you are required to ensure that only inquiries with a lawful purpose and consumer authorization appear on my reports. Each violation represents a breach of federal law and carries civil penalties.

YOU ARE IN VIOLATION OF FEDERAL LAW 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation 15 U.S.C. 1681b ( f ) No permissible purpose for inquiry 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n & 1681o Civil liability for willful or negligent noncompliance I am not required to prove what I did not authorize. The burden is on you to verify what you report and you have failed. 

CFPB VS. EXPERIAN LEGAL PRECEDENT The CFPB sued Experian for similar violations sham investigations and refusal to correct errors. You are now being held to that precedent. 

Experian committed serious violations that harmed consumers by ignoring its legal responsibilities to investigate and correct errors. 
Source : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors This is a direct warning. I am prepared to file complaints and take legal action if full deletion is not confirmed. 

FINAL DEMAND 30 DAYS TO COMPLY You are instructed to : Delete all listed accounts from Experian and Equifax. 

Remove all unauthorized inquiries listed above. 

Provide written confirmation of deletion within 30 calendar days. 

Send updated credit reports reflecting these corrections. 

If I do not receive confirmation, I will immediately escalate this to the CFPB, FTC, State Attorney General, and begin civil litigation seeking full compensation and penalties.

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