Consumer complaint received 2025-04-18 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: KS

Complaint narrative:
: Note THIS IS NOT A DUPLICATE, NEW INFORMATION HAS BEEN OBTAINED AND PROVIDED. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, KS XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Dispute Division XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT LEGAL NOTICE OF DISPUTE To Whom It May Concern, My name is XXXX XXXX, XXXX : XX/XX/XXXX, SSN : * -- XXXX. I am formally placing Experian on notice of identity theft and disputing the continued inclusion of fraudulent accounts on my credit report. You have already been alerted to these issues in prior disputes, yet you have failed to take appropriate corrective action as mandated under federal law. 

This letter serves as a final warning and demand for immediate removal of all fraudulent accounts, particularly the following : -- - Fraudulent Account to Be Deleted : Creditor : XXXX Account Number : XXXX Balance : {$1400.00} Credit Limit : {$350.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX -- - LEGAL BASIS FOR DISPUTE AND DEMAND FOR REMOVAL Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable investigation when a consumer disputes information on their report. To date, your inaction and continued reporting of this unverified and fraudulent debt represents a gross failure of duty. 

I hereby demand strict proof of the following, which has never been provided : 1. A legally binding contract bearing my signature ; 2. Documentation proving lawful ownership or assignment of the alleged debt ; 3. Proof of identity validation used by the original creditor ; 4. A complete accounting history and the method used to calculate the alleged balance ; 5. Evidence of compliance with FCRA and FDCPA during the collection and reporting process.

Failure to provide the above constitutes a direct violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), exposing Experian to liability for willful non-compliance, negligent reporting, and damages caused by your reporting of false information. 

CREDIT SCORE DISCREPANCY Your records also inaccurately reflect my credit score. As of XX/XX/XXXX, my score was XXXX ; however, as of XX/XX/XXXX, it has been unlawfully dropped to XXXX due to this fraudulent itemdespite other bureaus reflecting a score consistent with XXXX. This drop has resulted in the denial of a mortgage application and significant financial harm. 


-- - ACTION DEMANDED FINAL NOTICE You are hereby instructed to take the following actions without delay : 1. DELETE the above-mentioned fraudulent account from my credit file ; 2. CEASE AND DESIST from reporting any fraudulent or unverified information ; XXXX. PROVIDE WRITTEN CONFIRMATION of the permanent deletion and resolution within 15 days. 



Should Experian fail to comply, I will pursue every available legal remedy, including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General ; Seeking monetary damages for negligent and willful noncompliance with federal consumer protection statutes ; Retaining legal counsel to initiate a lawsuit against Experian for violations of 15 U.S.C. 1681n and 1681o. 


This is not a request. This is a formal legal demand. Consider this your final opportunity to comply before further action is taken. 

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