Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
b'---\n\nXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX\n\nExperian\nXXXX XXXX XXXX, TX XXXX\n\nSubject: Final Notice  Formal Dispute and Demand for Permanent Deletion Under XXXX XXXX XXXX(a),  XXXXb), CFRA, and Related Federal Law\n\nThis letter constitutes my third formal written demand for the permanent and immediate removal of fraudulent, inaccurate, and reinserted information from my Experian credit report. I am invoking my rights under the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX et seq., and the California Consumer Credit Reporting Agencies Act (CFRA), and I fully expect compliance under the strict timelines established by law.\n\nErroneous Account and Reinsertion Violation:\n\nXXXX XXXX XXXX  Account XXXX\n\nThis account was previously disputed, deemed fraudulent, and removedonly to be reinserted without notification or verification, a direct violation of XXXX XXXX XXXX(a)XXXX(B) which requires you to notify the consumer in writing before reinserting previously deleted information. You have failed to provide such notice or supporting documentation validating this account.\n\nI did not authorize this account. I have submitted formal identity theft reports, police reports, and FTC complaints. Furthermore, XXXX XXXX has been contacted multiple times and has never provided documentation validating this debt or account ownership. According to XXXX XXXX XXXX(a), Experian is legally required to block and permanently remove information resulting from identity theft within four business days of receiving appropriate documentation. You are in violation of this law.\n\nCFRA Enforcement   XXXX(k) of the California Civil Code:\n\nUnder the CFRA, if a consumer submits a valid police report and written statement, and the creditor fails to provide original account-opening documentation or any evidence proving the consumer authorized the transaction, the account must be removed. I have submitted all required documents under this statute multiple times. Experian has not received any legally sufficient documentation from the furnisher proving this account is minethus, you are legally obligated to delete it permanently.\n\nReinserted and Fraudulent Names to Be Deleted Immediately:\n\nThese names are erroneous, not aliases, and have no association with any lawful or validated credit activity of mine. Under XXXX XXXX XXXXe(b), credit reporting agencies must maintain accurate identification information. The following false identifiers must be removed:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nInquiries Not Initiated by Me  Must Be Deleted:\n\nYou are reporting inquiries that I never authorized or applied for, in violation of XXXX XXXX XXXXb(f). No creditor has produced a signed application or permissible purpose. These must be removed:\nXXXX XXXX XXXX XXXX XXXX\n\n\nThese unverified inquiries damage my credit unlawfully and constitute ongoing FCRA violations.\n\nFraudulent Phone Numbers Associated With My File:\n\nThe following phone numbers and address are not mine and must be permanently removed:\n\nXXXX XXXX XXXX XXXX NJ\n\n\nUnder XXXX XXXX XXXXe(b) and the CFRA, Experian is required to maintain strict accuracy standards. Associating these numbers with my report is a misrepresentation and may lead to further identity theft risks.\n\nXXXX XXXX XXXX XXXX XXXX XXXX:\n\nMy information was exposed during the XXXX Data Breach in XXXX, which has directly contributed to ongoing identity theft. Any data shared with or between bureaus post-breach must be held to a higher verification standard. Experian has failed to take this into account while processing my disputesthis is willful neglect of consumer protection law.\n\n\n---\n\nDEMAND FOR IMMEDIATE LEGAL COMPLIANCE:\n\nPursuant to:\n\nXXXX XXXX XXXX(a)  Identity theft blocks\n\nXXXX XXXX XXXX(b)  Duties of furnishers upon notice of dispute\n\nXXXX XXXX XXXXi(a)(XXXX(B)  Reinsertion of previously deleted data\n\nXXXX XXXX XXXXb(f)  Unlawful credit pulls\n\nXXXX XXXX XXXXe(b)  Maximum possible accuracy\n\nCalifornia Civil Code  XXXX(k)  CFRA requirements for identity theft disputes\n\n\nI demand the following:\n\nXXXX. Immediate and permanent removal of the XXXX XXXX XXXX account and any reinsertion flags.\n\n\nXXXX Full deletion of all erroneous names and phone numbers not verifiably linked to me.\n\n\nXXXX. Permanent removal of all unauthorized inquiries not initiated or permitted by me.\n\n\nXXXX. A detailed written statement of your reinvestigation, actions taken, and evidence received from furnishers (if any).\n\n\nXXXX. Written confirmation that Experian has fully and permanently removed all disputed data.\n\n\n\n\n---\n\nLEGAL NOTICE:\n\nFailure to act within XXXX days will result in:\n\nFormal complaints to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and State Attorney General.\n\nA civil lawsuit under XXXX XXXX XXXX XXXX XXXX for willful and negligent noncompliance.\n\nAction under XXXX XXXX XXXX for continued unlawful collection and misreporting.\n\nA subpoena for all Experian internal records and communications regarding this account, identifiers, and dispute history.\n\n\nThis is your final opportunity to correct these violations before litigation ensues.'

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