Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion Equifax Experian Subject : Formal Dispute and Cease and Desist Removal of Fraudulent Accounts To Whom It May Concern, This letter serves as a formal dispute and cease and desist notice pursuant to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). I am disputing the accuracy and legitimacy of the following accounts that have been reported on my credit file. These accounts were opened without my knowledge, consent, or authorization and are considered fraudulent. 
Fraudulent Disputed Accounts : 1.

2.

3.

4.

5.

6. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX These accounts are being reported without verifiable documentation or my written consent, in violation of the following federal laws : Fair Credit Reporting Act Violations : 15 U.S.C. 1681 Section 602 ( a ) Right to privacy 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) No reporting without written instruction from the consumer reported prohibited 15 U.S.C. 1681c ( a ) ( 5 ) No adverse information older than seven years may be 15 U.S.C. 1681s2 ( a ) ( 1 ) Furnishing inaccurate or unverifiable information is 15 U.S.C. 609 & 611 Unverifiable accounts must be deleted Gramm-Leach-Bliley Act Violation : 15 U.S.C. 6802 Prohibits sharing nonpublic personal information without notice and consent Demand for Immediate Action : Cease and desist from reporting, distributing, or disclosing the above-listed accounts Permanently delete these accounts from all credit files maintained by your agency within 30 days Provide written verification and documentation of any authorization claimed Acknowledge my right to opt out under the GLBA and confirm that this right has been processed Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the initiation of civil legal action. 
Sincerely, XXXX XXXX OPT-OUT OF FINANCIAL INFORMATION DISCLOSURE Date : XX/XX/XXXX To Whom It May Concern, This letter serves as formal notice of my decision to opt out of the disclosure of my nonpublic personal information to nonaliated third parties, in accordance with 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act. 
I do not consent to the sharing, use, or dissemination of any of my nonpublic personal or financial information at any time, now or in the future. You are required by law to honor this request and cease all such disclosures unless you have my express written consent. 
Please confirm in writing that my request has been received, acknowledged, and processed. 
Sincerely, XXXX XXXX AFFIDAVIT OF TRUTH I, XXXX XXXX, being of lawful age and sound mind, declare and arm under penalty of perjury that the following statements are true and correct to the best of my knowledge : I am the natural person known as XXXX XXXX. 
The accounts listed in the attached dispute letter were reported without my knowledge, consent, or authorization. 
I did not open or authorize the opening of these accounts. 
I did not sign any documents granting permission for these accounts to be reported to any consumer reporting agency. 

The continued reporting of these accounts violates my rights under the Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. 
I formally dispute these items and demand their permanent removal from all credit reports maintained by TransUnion, Equifax, and Experian. 
Further aant sayeth not. 
Signed, XXXX XXXX XXXX : XX/XX/XXXXXXXX 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