Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX  TX XXXX Re : URGENT DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS AND {$12000.00} SETTLEMENT FOR WILLFUL FCRA VIOLATIONS CFPB Complaint # XXXX, XXXX Complaint, CA Attorney General Complaint NOTICE OF INTENT TO INITIATE CLASS ACTION LAWSUIT Dear Experian, Your blatant and willful refusal to remove fraudulent accounts from my credit reportdespite my XX/XX/XXXX, CFPB complaint ( # XXXX ), complaints filed with the XXXX XXXX XXXX, and the California Attorney Generals Office , all supported by my FTC Identity Theft Affidavit ( filed XX/XX/XXXX ) and XXXX Police Department Report XXXX XXXX an outrageous violation of the Fair Credit Reporting Act ( FCRA ). Your sham investigation, dragging on nearly a month past the mandatory 4-business-day deadline under 15 U.S.C. 1681c-2, mirrors the systemic misconduct exposed in the CFPBs XX/XX/XXXX, lawsuit against you in the U.S. District Court for the XXXX District of California . That suit nails you for shoddy dispute handling and illegal practices harming thousands, and youre doing the same to me. Youre also dodging XXXX class action lawsuits for reporting false information ( XXXX XXXX, filed XX/XX/XXXX ) and illegally selling consumer phone numbers ( filed XX/XX/XXXX ). Your pattern of abusing consumers like me has gone too far, and your failure to act will trigger a new class action lawsuit targeting your identity theft violations. 
The fraudulent accounts still poisoning my Experian report as of XX/XX/XXXX, are : XXXX , Account # XXXX ( removed by XXXX and Experian in XX/XX/XXXX, yet you refuse to comply ). 
XXXX XXXXXXXX XXXX, Account # XXXX ( removed in XX/XX/XXXX but reinserted without notice, violating 1681i ( a ) ( 5 ) ( B ) ). 
Your deliberate negligence has caused me XXXX XXXX XXXX XXXX, sleepless nights, and fear from ongoing identity theft tied to the XXXX data breachplus countless hours wasted fighting your incompetence. These are flagrant violations of FCRA 1681c-2 and 1681i, exposing you to statutory damages of {$100.00} {$1000.00} per violation, actual damages for my suffering, punitive damages, and attorney fees under 1681n and 1681o. My complaints to the CFPB, XXXX, and California AG, combined with your litigation history, put you on notice : your actions are harming countless consumers, and Im ready to lead the charge. 
I demand you : Immediately block ( 605b ) and delete these accounts within 4 business daysno more stalling or lies. 
Provide written confirmation of removal and a free updated credit report. 
Pay me {$12000.00} in full settlement within 14 days for your willful violations and my distress, or face immediate escalation. 
Be warned : I am contacting a consumer rights attorney today to initiate a class action lawsuit against you for your systemic failure to handle identity theft disputes, building on the CFPBs suit and existing class actions. I will also pursue an individual federal FCRA lawsuit or file in XXXX XXXX XXXX XXXX XXXX for the maximum {$12000.00}. Your pathetic in progress response from XX/XX/XXXX, is a joke, and your litigation record proves youre not untouchable. The CFPB, XXXX, and California XXXX are watching, and XXXX coming for you. Comply now or expect service of process for a class action that will expose your abuses to thousands of victims like me. Contact me at XXXX only to confirm full compliance. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Affidavit, XXXX Police Department Report # XXXX, CFPB Complaint # XXXX, Screenshots of Fraudulent Accounts

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