Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
b"Experian XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: Dispute of Fraudulent Accounts and Request for Immediate Deletion Due to XXXX  Data Breach Exposure\nTo Whom It May Concern:\nI am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, I demand the immediate investigation and deletion of the following fraudulent accounts from my credit profile:\nACCOUNTS:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnLegal Basis for My Dispute\n1. Violation of 15 U.S.C.  1681i (FCRA Procedure in Case of Disputed Accuracy): Under this provision, you are required to conduct a thorough investigation of the disputed items within XXXX  days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.\n2. Violation of 15 U.S.C.  1681c 2 (Block of Information Resulting from Identity Theft): I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the\nunauthorized use of my information, and maintaining these accounts on my file constitutes non--compliance with federal law.\n3. XXXX  Negligence and Potential Liability: The breach, which exposed the personal data of over XXXX XXXX XXXX, is well--documented. As the affected party, my data was compromised through no fault of my own, and I hold XXXX  and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts.\nConsequences of Non--Compliance\nFailure to comply with the FCRA and applicable federal laws will result in the following actions:\n\n Filing complaints with the Consumer Financial Protection Bureau (CFPB) under 15 U.S.C.  1681s--2(b), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.\n\n Initiating legal proceedings to seek statutory and punitive damages for willful non--compliance under 15 U.S.C.  1681n and negligent non--compliance under 15 U.S.C.  1681o.\n\n Reporting your non--compliance to state Attorney Generals offices, as consumer protection laws vary by state.\nMy Demands\n1. Immediate Deletion of Fraudulent Items: I demand that the disputed accounts be permanently deleted from my credit profile without delay.\n2. Verification of Remaining Accounts: Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines.\n3. Confirmation of Deletion: Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries."

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