Consumer complaint received 2025-06-29 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: VA

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the continued reporting of a fraudulent XXXX XXXX account on my Experian credit report. This account was the result of identity theft and was subsequently removed by both XXXX XXXX XXXX  upon receiving proper documentation. Curiously, the other account listed in my dispute which I submitted CERTIFIED MAIL RETURN RECEIPT WAS PROMPTLY REMOVED, BUT THE XXXX XXXX REMAINED WITH NO EXPLANATION.

Despite my full compliance with Experians dispute process, including the REPEATED submission THROUGH THE CFPB of : An FTC Identity Theft Report A signed and notarized Identity Theft Affidavit A copy of a cancelled check from the Equifax Data Breach settlement demonstrating my status as a VERIFIED EQUIFAX DATA BREACH SETTLEMENT VICTIM Experian has failed to remove the account in violation of federal law. This inaction represents a willful and negligent violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related privacy laws. 

Legal Grounds for Immediate Removal : 1. 15 U.S. Code 1681i Reinvestigation of Disputed Information You are required to conduct a reasonable reinvestigation of any disputed information and delete or correct inaccurate or unverifiable data within 30 days. The failure to remove the accountafter being removed by the other two major bureaus and despite irrefutable documentationproves this information is unverifiable and inaccurate. 

2. 15 U.S. Code 1681n Civil Liability for Willful Noncompliance Willful failure to comply with the FCRAincluding continued reporting of false data after proper documentation has been providedsubjects Experian to civil liability, including actual damages, punitive damages, and attorneys fees.

3. 15 U.S. Code 6802 Protection of Nonpublic Personal Information Under the Gramm-Leach-Bliley Act, you are prohibited from the unauthorized dissemination of personal financial data, especially when obtained due to a breach or without proper verification of identity. Continued reporting of identity theft accounts violates these protections. 

4. 15 U.S. Code 1681c-2 Block of Information Resulting from Identity Theft Upon receipt of an identity theft report and affidavit, the credit reporting agency must block the reporting of any information that is a result of identity theft within FOUR BUSINESS DAYS!!! You have failed to comply.

DEMAND FOR IMMEDIATE ACTION : I formally demand that Experian immediately : Delete the fraudulent XXXX XXXX account from my credit file. 
Provide written confirmation of the deletion within 15 days. 
Include a copy of the updated credit report reflecting this deletion. 
Please consider this your final notice before I proceed with LITIGATION, I have already made a FORMAL COMPLAINT WITH THE TEXAS ATTORNEY GENERAL, and I will not hesitate to initiate civil litigation for violations of federal consumer protection laws. 

Sincerely, XXXX XXXX Failure to comply with these legal requirements will result in me seeking relief under 15 USC 1681n for willful noncompliance, including legal action to pursue damages and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Please be advised that I am keeping detailed records of this communication for potential use in legal proceedings. 

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