Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested & Email To : Experian Attn : Experian Fraud Division / Special Handling / Dispute Processing XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Demand to Cease and Desist Reporting of Fraudulent Activity under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX, am formally disputing the presence of fraudulent, inaccurate, and unauthorized accounts and credit inquiries reported on my Experian credit file. This notice constitutes an official Identity Theft Report and Legal Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and applicable state laws.

1. Identity Theft Report and Formal Dispute 1. I have filed a Police Report documenting the identity theft.

2. I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

3. The following accounts and inquiries were not authorized, opened, or initiated by me and are the direct result of identity theft.

4. I am requesting immediate investigation, deletion, and confirmation of corrective action in compliance with federal law.

2. Fraudulent Accounts to Be Deleted XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX. Fraudulent Inquiries to Be Deleted No. Company Name Date of Inquiry Removal Requested XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Immediate 2 XXXX XXXX XXXXXX/XX/XXXX Immediate XXXX XXXX XXXX XXXX XX/XX/XXXX Immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Immediate XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Immediate XXXX XXXX XXXX XXXXXX/XX/XXXX Immediate XXXX XXXX XXXX XXXXXX/XX/XXXX Immediate XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Immediate XXXX XXXX XXXX XX/XX/XXXX Immediate 4. Legal Basis for Immediate Deletion 1. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Experian and any data furnishers are prohibited from reporting information they know or should know is inaccurate. 
2. Continued reporting of these fraudulent items after receiving this notice constitutes willful noncompliance and exposes Experian to civil liability under 15 U.S.C. 1681n and 1681o.

3. Federal precedent establishes clear responsibility to investigate and correct inaccurate reporting : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Establishes consumer standing and responsibility of CRAs to prevent misreporting. 
XXXX XXXX Experian Information Solutions , Inc., 1:13-cv-01075 ( XXXX XXXX, XXXX XXXX Experian settled for failing to properly investigate and correct disputed records. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX Cir., XXXX ) CRAs held liable for failing to delete inaccurate information after notification.

5. Formal Demands I hereby demand that Experian : 1. Cease and desist all reporting, collection, or communication regarding the fraudulent accounts and inquiries listed above.

2. Immediately delete all records related to these fraudulent items from your databases.

3. Restrict all third-party access to this information unless explicitly authorized in writing.

4. Notify all relevant credit bureaus and furnishers of the deletions.

5. Provide written confirmation of all actions taken within five ( 5 ) calendar days of receipt of this notice.

6. Enclosures Copy of Police Report documenting identity theft Copy of CFPB Complaint Confirmation Copy of Government-Issued ID Supporting documentation of fraudulent activity 7. Notice of Enforcement Rights If Experian fails to comply, I will : 1. File complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general ; 2. Initiate civil litigation seeking statutory, actual, and punitive damages under FCRA 1681n and 1681o ; 3. Pursue all other available remedies for negligence and willful noncompliance. 

I expect your prompt compliance and written confirmation. 



Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Arkansas Attorney General Consumer Protection Division

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