Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian XXXX : Experian XXXX Division / Special Handling / Dispute Processing XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts and Inquiries RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL LAW To Whom It May Concern : I, XXXX XXXX, am writing with urgency and concern regarding unauthorized, inaccurate, and fraudulent account information being reported under my name, XXXX XXXX. This correspondence shall serve as a formal Demand to Cease and Desist and a Request for Immediate Deletion of all erroneous account data in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and related federal privacy laws. 



IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I, XXXX XXXX, have formally filed an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). I have also submitted formal disputes to XXXX XXXX  and Experian. The accounts listed below were not authorized, initiated, or acknowledged by me and are the product of identity theftpotentially by a former or current employee associated with your organization or affiliates. 



FRAUDULENT ACCOUNTS REPORTED BY EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The following companies must be removed from my credit file for the following factual reasons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have confirmed they possess no valid contract, application, or signed agreement linking me to these accounts. 
XXXX. There exists no chain of custody, assignment documentation, or legitimate evidence binding me to any financial obligation with these companies. 
XXXX. No transaction history, verifiable identification process, or account verification procedure connects these accounts to me. 
XXXX. These accounts were opened without my knowledge, consent, or authorization and are therefore fraudulent. 
XXXX. Their continued reporting constitutes a breach of federal consumer protection laws, including but not limited to the FCRA and FDCPA. 



LEGAL VIOLATIONS AND NOTICE Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information furnishers may not report data they know or have reason to believe is inaccurate. Your continued reporting of this fraudulent informationafter formal notificationplaces your organization in direct violation of federal law. 

You are hereby instructed to : XXXX. Immediately cease and desist from all reporting, collection, and communication related to the above-listed accounts and inquiries. 
XXXX. Refrain from sharing or transferring my personal data without express written consent. 
XXXX. Permanently delete all records and data associated with the fraudulent accounts from your systems. 
XXXX. Issue written notification to all consumer reporting agencies confirming permanent deletion of the disputed accounts. 
XXXX. Provide written confirmation of compliance within XXXX ( XXXX ) calendar days of receiving this letter. 



ATTACHED DOCUMENTS FTC Identity Theft Complaint CONSEQUENCES OF NON-COMPLIANCE Failure to act will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and all relevant state consumer protection agencies. I am also fully prepared to initiate civil litigation for statutory, compensatory, and punitive damages as allowed by law. 

I trust Experian will treat this matter with the urgency and diligence required to protect consumer rights and resolve identity theft promptly. 

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