Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
XXXX, AttorneyGeneralofMichigan XXXX, Chair, FederalTradeCommission XXXXu, ActingComptrolleroftheCurrency Subject : Unconditional Demand for Immediate, Complete Deletion of Fraudulent Inquiries & Accounts from All Credit ReportsFederal Statutory Violations, Legal Penalties, Binding Case Law, and Doctrinal Mandates ( XXXX, XXXX, XXXX, and the XXXX ) FTCIdentityTheftReportNumber:XXXX  To the PrivacyCompliance Department and all responsible parties regarding the following fraudulent items : Overview of Fraudulent Items ( Sentence Format ) : The fraudulent activity encompasses multiple inquiries, accounts, and a public record, specifically : XXXX  inquiries dated XXXX and XXXX ; a XXXX  inquiry dated XXXX ; a XXXX inquiry dated XXXX ; XXXX inquiries dated XXXX and XXXX ; a XXXX  inquiry dated XXXX ; XXXX  and XXXX  inquiries dated XXXX and XXXX, respectively ; a XXXX  inquiry ( date not provided ) ; a XXXX XXXX  reported on XXXX ; accounts reported or opened under XXXX  ( XXXX ), XXXX  ( XXXX ), XXXX  ( opened XXXX ), XXXX  ( opened XXXX ), XXXX  ( opened XXXX ), and multiple XXXX accounts opened on XXXX, XXXX, XXXX, XXXX ( duplicate ), and XXXX. 

( If any additional dates or details are required for accurate identification, you are obligated to request them within the statutory investigation window. ) ) * This letter is a firm and irrevocable demand for the immediate, permanent deletion of all information concerning the abovereferenced fraudulent inquiries, accounts, and public record from my credit files maintained by Experian, Equifax, and TransUnion. The continued presence of these itemsdespite clear documentation ( FTCIdentityTheftReportNo.XXXX ) proving they resulted from identity theftviolates multiple federal statutes, binding case law, and longstanding doctrinal principles that universally condemn falsehoods and require prompt restitution. 

Below is nonexhaustive authority supporting this demand : Fair Credit Reporting Act ( FCRA ) 15U.S.C.1681e ( b ) MaximumPossibleAccuracy Requirement ( Penalty : $ XXXXper item ). Cushmanv.TransUnionCorp.,115F.3d220 ( 3dCir.1997 ).

15U.S.C.1681c Obsolete & Outdated Information ( Penalty : $ XXXXper item ). Millerv.WellsFargo & Co.,2018WL1578440 ( N.D.Cal.2018 ).

15U.S.C.1681i Failure to Conduct Reasonable Investigation ( Penalty : $ XXXXper item ). Cortezv.TransUnionLLC,617F.3d688 ( 3dCir.2010 ).

15U.S.C.1681s2 ( a ) Furnishing False Information ( Penalty : $ XXXXper item ). Zabriskiev.FannieMae,912F.3d1192 ( 9thCir.2019 ).

Truth in Lending Act ( TILA ) Misrepresentation of credit obligations undermines the transparency mandates of TILA.

Canon Law, Chancery & Ecclesiastical Standards XXXX ( No one may unlawfully harm the good reputation which a person enjoys ) and XXXX reinforce civil liability for reputational injury. 

XXXX XXXX XXXX condemns false balances, underscoring the moral imperative for truthful reporting. 

Statutory Penalty Exposure Each fraudulent entry constitutes an independent statutory violation. Penalties accrue per item, per bureau, and per statutory provision. With 21 disputed items across three nationwide consumerreporting agencies, your potential exposure easily exceeds six figures in statutory damages before punitive and actual damages are considered.

Final Demand & TimeSensitive Notice Delete every item listed above from all consumerreporting databases within fifteen ( 15 ) calendar days of receipt of this notice.

Provide written confirmation of each deletion, along with an explanation of your investigation methodology and the names & addresses of any third parties contacted, as required by 15U.S.C.1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will trigger immediate complaints to the FTC, CFPB, OCC, and the Michigan Attorney General, and will expose all liable parties to civil litigation for damages, attorneys fees, and costs.

I expressly reserve all rights and remedies under federal and state law.

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