Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : I Identity has been compromised Someone been applying for credit in my name To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information on my credit report as a victim of identity theft resulting from the XXXX Equifax Data Breach. Due to Equifaxs failure to safeguard my personal information, unauthorized accounts and inquiries have appeared on my credit report, severely impacting my financial stability and employment opportunities. 
The presence of these fraudulent accounts constitutes an adverse action against me, as defined under 15 U.S.C. 1681a, Section 603 ( k ) ( 1 ) ( B ) ( ii ). Despite my previous dispute, these issues remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand that all reported information be accurate, verified, and legally permissible. I am requesting immediate compliance with the FCRA, particularly the following provisions : 1. 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft As a victim of identity theft, I am invoking my right under this section to request the removal of all fraudulent accounts and inquiries that may have resulted from the Equifax Data Breach . My personal and financial information was compromised, and any unauthorized activity linked to my identity must be deleted immediately. 
2. 15 U.S.C. 1681i Reinvestigation of Disputed Information You are legally required to conduct a proper reinvestigation of the disputed items. Any account that can not be verified with original source documentation must be permanently deleted. Given Equifaxs history of data security failures, I demand heightened scrutiny and proper verification of all reported information.

3. 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The continued presence of fraudulent accounts and unauthorized inquiries on my report constitutes a clear violation of this section. As established by the Sixth Circuit Court of Appeals in Twumasi-Ankrah v. Checkr , Inc. , credit reporting agencies must ensure factual accuracy and avoid misleading reporting. Any inaccurate or unverifiable information must be corrected or removed. 
4. 15 U.S.C. 1681n Civil Liability for Willful Noncompliance Given your failure to correct these inaccuracies after my first dispute, I am now seeking punitive damages as permitted under this provision. If this matter is not resolved immediately, I will pursue legal action to recover damages for your willful noncompliance.

Requested Actions To rectify this matter, I demand the immediate removal of the fraudulent items/accounts listed below : Accounts 2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION DEPT OF ED/XXXX Account number XXXX Please remove it from my credit report. 
1681i Procedure in Case of Disputed Accuracy- INCOMPLETE AND INACCURATE INFORMATION DEPT OF ED/XXXX Account number XXXX Please remove it from my credit report. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 
15 U.S. Code 1681 ( C ) -Time Limits on Negative Information Outdated, Unfair, and Harmful Credit Reporting Practices XXXXXXXX XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DISCOVER Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Legal Liability and Consequences for Non-Compliance If these fraudulent accounts and inaccurate information are not removed as required under the FCRA, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Pursue legal action against the furnisher and credit reporting agencies under : 15 U.S.C. 1681n Willful noncompliance ( Statutory damages up to {$1000.00} per violation, plus punitive damages ).

15 U.S.C. 1692k FDCPA violations ( Actual damages, statutory damages up to {$1000.00}, plus attorney fees ). 
Additionally, I am sending this letter via certified mail to ensure proper documentation of my request. 
Final Demand I expect written confirmation within 30 days verifying that these fraudulent accounts have been permanently deleted from my credit file. Furthermore, I demand an updated copy of my credit report reflecting these removals and that you notify all parties who have inquired about my credit in the past six months.

I am also keeping a detailed record of your actions, including your Method of Verification ( MOV ). I do not consent to the use of E-OSCAR or any other automated verification system. I demand a thorough manual investigation of these accounts. 
Failure to comply will result in immediate escalation, including legal and regulatory action. 
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