Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am submitting this formal and legally binding dispute in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to demand the immediate deletionnot correctionof the following fraudulent and unauthorized accounts currently appearing on my Experian credit report : Disputed Accounts ( Unauthorized/Fraudulent ) : XXXX XXXX Account number beginning with XXXX XXXX  It Account number beginning with XXXX XXXX XXXX XXXX XXXX ) Account numbers beginning with XXXX XXXX  Account number beginning with XXXX These accounts do not belong to me. I have never applied for, opened, authorized, or used any of these accounts. Their presence on my Experian credit report is erroneous, unauthorized, and unlawful. 

These unauthorized entries constitute a violation of the FCRA, particularly : 15 U.S.C. 1681e ( b ) Requiring credit reporting agencies to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandating reinvestigation and removal of any information that can not be verified.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibiting the inclusion of accounts not belonging to the consumer.

Let me be clear : I am not requesting a correction of these accounts. I am demanding complete and permanent deletion of each and every one of them, on the grounds that they are entirely inaccurate and do not pertain to me in any capacity.

Legal Basis for Deletion According to FCRA 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate or unverifiable after a reasonable investigation, the credit reporting agency must promptly delete the item from the consumers file. Since I never opened these accounts and no creditor will be able to furnish signed applications, usage records, or any authenticated link to me, these items can not be verified and must be deleted in full.

Enclosed Documents ( For Verification of Identity and Residence ) : Copy of my government-issued photo identification Copy of a recent utility bill or lease agreement to verify address Copy of my credit report with the disputed accounts clearly marked Outcome Required : I am demanding the following resolution in accordance with my rights under federal law : Immediate deletion of all listed unauthorized accounts from my Experian credit report.

Written confirmation from Experian within 30 days that these accounts have been deleted.

Disclosure of the results of your investigation and the sources of information used to verify the disputed data.

Failure to comply with these demands will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue legal remedies under FCRA 1681n and 1681o, which provide for actual damages, statutory damages, attorneys fees, and punitive damages for willful and negligent noncompliance.

This letter shall serve as official notice under the FCRA and applicable state laws. You are hereby instructed to treat this matter with the urgency and seriousness it requires.

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