Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Experian XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : URGENT IDENTITY THEFT DISPUTE & FRAUDULENT ACCOUNT REMOVAL DEMAND Action Required Within XXXX ( XXXX ) Days Dear Experian, I am writing to formally notify you that I am a victim of identity theft and to dispute multiple fraudulent accounts that have been reported on my credit file. These accounts were opened and used without my knowledge or consent, and I demand their immediate removal. 

As a result of the massive XXXX XXXX  data breach, in which over XXXX XXXX Americans personal data was compromised, including Social Security numbers, birth dates, addresses, and more, I became a direct target of identity fraud. This breach, publicly confirmed by XXXX  and addressed by the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  in FTC XXXX XXXX XXXX Case No. XXXX, led to widespread consumer damage, and I am among the many victims who suffered serious consequences. 

Following this breach : XXXX  settled for up to {$700.00} XXXX to compensate victims, proving the extent and acknowledgment of harm. 
Millions of consumers, including myself, experienced identity theft, false accounts, and ruined credit scores. 
Legal findings confirmed XXXX failure to maintain reasonable security standards under the Fair Credit Reporting Act ( FCRA ). 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am exercising my legal right to demand an immediate and full investigation into these accounts. I have no contractual agreement or legitimate relationship with the entities associated with these fraudulent accounts, and I deny any liability. 

DEMAND FOR ACTION : I formally request the following : XXXX. Immediate deletion of all accounts and inquiries identified as fraudulent. 
XXXX. Blocking of any further reporting of these fraudulent items, as provided under FCRA 605B. 
XXXX. Written confirmation of removal and investigation results within XXXX ( XXXX ) calendar days of receipt of this letter. 

Failure to act within this timeframe may constitute a willful violation of federal law and could lead to legal action and complaints filed with the Consumer Financial Protection Bureau ( CFPB ), FTC, and the XXXX  Attorney General. 

Enclosed are the following supporting documents : Copy of my government-issued ID Proof of databreach FTC Report 605b letter Please consider this letter a formal notice under all applicable federal and state consumer protection laws. I will not tolerate further damage to my personal and financial well-being due to a failure to properly address this matter. 

I expect a swift and lawful response. 

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