Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
To Whom It May Concern at TransUnion, Equifax, and Experian, This letter serves as an immediate and unequivocal demand for the complete removal and permanent blocking of all negative, inaccurate, and unverifiable information appearing on my credit report. This aggressive action is necessitated by the egregious data breach that compromised my personal and financial information, coupled with your failure to uphold your obligations under the Fair Credit Reporting Act ( FCRA ). 
My personal information was demonstrably compromised in a major data breach, specifically the Equifax data breach, as confirmed by official notification ( see attached proof ). This breach has directly led to, or significantly contributed to, the fraudulent and inaccurate reporting of accounts on my credit file, causing substantial harm to my financial standing and reputation. 
Under the provisions of the Fair Credit Reporting Act, I demand the immediate and permanent deletion and blocking of the following accounts, which are either direct results of this breach, inaccurate, unverifiable, or otherwise detrimental to my credit profile : * XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a " Charge-off '' status and an estimated removal date of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account shows a " Charge-off '' status and an estimated removal date of XXXX/XXXX. 
XXXX XXXX XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX : XXXX  * This account shows a " Charge-off '' status and an estimated removal date of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account shows a " Charge-off '' status and an estimated removal date of XX/XX/XXXX. And any other account reflecting negative remove it. 


My legal basis for these demands is clear and unwavering : * 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) : Given the confirmed data breach and the subsequent appearance of derogatory information, it is evident that these negative entries are either directly linked to identity theft or are a consequence of the compromised security of my personal data. You are legally obligated to block the reporting of information that resulted from identity theft. I have filed an official Identity Theft report with the Federal Trade Commission ( FTC ), reference number [ If you have a reference number from XXXX, insert it here, otherwise state : " available upon request '' ]. 
* 15 U.S.C. 1681a ( 2 ) ( Definition of Consumer Report - Exclusions ) : Information that is inaccurate, incomplete, or can not be verified upon reasonable reinvestigation does not constitute a valid consumer report. Your inclusion of such information on my report violates this fundamental principle. 
* 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ) : A consumer reporting agency may furnish a consumer report only under specific circumstances. Furnishing reports with inaccurate or unverifiable information, particularly when that information stems from a data breach, falls outside the permissible purposes. 
* 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Procedure in case of disputed accuracy ) : Upon receiving notice of a dispute, you are required to conduct a reasonable reinvestigation. However, in this case, the context of the data breach elevates the burden of proof. 
* 15 U.S.C. 1666b ( Accuracy of Credit Reports ) : This section emphasizes the responsibility of credit reporting agencies to ensure the accuracy of credit reports. The presence of these negative items, especially in light of the data breach, clearly demonstrates a failure to maintain accuracy. 
* 15 U.S.C. 1681 ( Congressional findings and statement of purpose ) : The FCRA was enacted to ensure the accuracy, fairness, and privacy of consumer credit information. Allowing compromised data to remain on my report directly contradicts the very purpose of this Act. 
Let me be unequivocally clear : I am not merely disputing the accuracy of these entries ; I am asserting that their very presence on my report is a direct consequence of a systemic failure to protect my data and your subsequent failure to adhere to the FCRA. 
I demand that you immediately, and without further delay or equivocation, block and delete all aforementioned negative accounts from my credit report. Your failure to do so will be viewed as a willful violation of my rights under the FCRA. 
Be advised that I have documented all interactions and will not hesitate to pursue all available legal remedies, including but not limited to, filing a lawsuit against your respective agencies for damages and injunctive relief, should these demands not be met promptly and completely. I expect to receive an updated credit report reflecting these changes within 10 business days. 
I anticipate your immediate compliance. 
Sincerely, XXXX XXXX

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