Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * Date * * : XX/XX/XXXX * * Equifax Information Services LLC * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Experian * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * TransUnion Consumer Solutions * * XXXX XXXX XXXX XXXX XXXX XXXX * * Subject : FORMAL DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT INFORMATION,

VIOLATIONS OF 15 U.S.C. 1681a, 1681b, 1681c-2, 1681i, 1681n, 1681o, AND DEMAND FOR DAMAGES PURSUANT TO FCRA 605B * * # # # * * I. NOTICE OF FRAUD AND WILLFUL FCRA VIOLATIONS * * I demand the * * immediate deletion * * of all fraudulent accounts, inquiries, and personal information listed below, which constitute * * identity theft * * under 15 U.S.C. 1681a. These items violate : - * * 1681b ( f ) * * : Lack of permissible purpose for obtaining/reporting information. - * * 1681e * * : Failure to maintain reasonable procedures to prevent inaccuracies. - * * 1681i * * : Failure to conduct timely reinvestigations. - * * 1681c-2 * * : Failure to suppress fraud-related information within * * 4 business days * * as mandated. * * A. Fraudulent Accounts & Collections * * | * * Creditor * * | * * Account/Reference # * * | * * Date Reported 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  B. Fraudulent Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  C. Fraudulent Personal Information * * XXXX. * * Names * * : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. * * Addresses * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. * * Employment * * : XXXX, XXXX XXXX * * XXXX Accurate Information to Retain * * - * * Name * * : XXXX XXXX XXXX  * * Address * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX - * * Email * * : XXXX - * * Phone * * : XXXX - * * Employers * * : XXXX XXXX XXXX  * * Legal Directive * * : Under * * 1681c-2 ( FCRA 605B ) * *, you must * * remove all fraudulent items within 4 business days * * of receiving this notice. Failure triggers statutory damages of * * {$1000.00} {$3500.00} per violation * * under 1681n.

-- - # # # * * II. DEMAND FOR MONETARY DAMAGES * * Pursuant to * * 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) * *, I demand compensation for : 1. * * Statutory Damages * * : - * * 14 fraudulent accounts/collections * * {$3500.00} = * * {$49000.00} * * - * * 1 unauthorized hard inquiry * * {$1000.00} = * * {$1000.00} * * - * * 9 fraudulent names/addresses * * {$3500.00} = * * {$31000.00} * * - * * 2 fraudulent employers * * {$3500.00} = * * {$7000.00} * * 2. * * Emotional Distress Damages * * : - XXXX XXXX, credit denials, and reputational harm : * * {$150000.00} * * 3. * * Punitive Damages * * : - For reckless disregard of FCRA duties : * * {$250000.00} * * * * TOTAL DEMAND : {$480000.00} * * -- - # # # * * III. CONGRESSIONAL FINDINGS AND LEGAL PRECEDENT * * Congress has declared credit reporting agencies " * * elaborate mechanisms * * '' assuming " * * vital roles in the consumers life * * ''. Your systemic failuresespecially Equifaxs  XXXX breach exposing XXXX XXXX consumersdirectly contradict this recognition and enable identity theft.

* * Relevant Legal Precedents * * : - * * Equifaxs XXXX XXXX Settlement ( XXXX ) * * : For failing to secure consumer data, violating 1681e. 
- * * XXXX XXXXXXXX XXXX XXXX Settlement ( XXXX ) * * : For pulling credit reports * * without permissible purpose * *.

- * * CFPB v. TransUnion ( XXXX ) * * : XXXX XXXXXXXX penalty for ignoring disputes and reinserting errors. 

-- - # # # * * IV. REMEDIAL DEMANDS & DEADLINE * * 1. * * Within 4 business days ( FCRA 605B ) * * : - Delete all fraudulent accounts, inquiries, names, addresses, and employers listed herein.

- Retain * * only * * the accurate information in Section I ( D ).

- Provide written confirmation of deletions.

2. * * Within 15 days * * : - Remit * * {$480000.00} * * via certified check.

3. * * Failure to comply * * will result in a federal lawsuit seeking * * treble damages * * under 1681n and injunctive relief.

* * GOVERN YOURSELVES ACCORDINGLY * *. 

Sincerely, XXXX XXXX * * Enclosures * * : - FTC Identity Theft Affidavit ( Case # ________ ) - Proof of identity ( copy of drivers license, SSN ) - Prior dispute records ( if applicable )

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