Consumer complaint received 2025-07-04 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$660.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2100.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00}, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}, DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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