Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal and urgent request under the Fair Credit Reporting Act ( FCRA ) for the immediate suppression and permanent deletion of fraudulent and inaccurate information that has been unlawfully reported on my consumer credit file. I am a verified victim of identity theft, as confirmed in the enclosed FTC Identity Theft Report and related documentation. I am also a confirmed victim of the Equifax Data Breach and the National Public Data Breach, which resulted in the compromise of my sensitive personal data.

As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required by law to block and suppress all fraudulent information within four ( 4 ) business days of receiving my identity theft report and supporting documents. 

FRAUDULENT COLLECTION ACCOUNTS TO BE SUPPRESSED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts are inaccurate, unverified, and fraudulent. You have no legally valid documentation showing that I applied for or authorized these accounts. Under FCRA 1681b and FDCPA 809 ( a ) ( 15 U.S.C. 1692g ), you are legally required to have documentation proving my liability. None of these furnishers have supplied such proof.

REINSERTION VIOLATION : Certain accounts previously disputed and deleted now appear to have been reinserted without any written notice provided to me within five ( 5 ) business days, as required under FCRA 611 ( a ) ( 5 ) ( B ). This is a direct violation of federal law.

METRO 2 AND CDIA NON-COMPLIANCE : The formatting and reporting of these accounts also appear to violate Metro 2 compliance standards, as outlined by the Consumer Data Industry Association ( CDIA ). Any deviation from these data field formatting standards compromises the accuracy and legality of your reporting. 

LEGAL PRECEDENXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA ], the court ruled that a CRA can not fulfill its duty under the FCRA by merely parroting information received from a furnisher or affiliated company. You are prohibited from relying on secondary verification from affiliated or co-owned agencies. 

DEMAND FOR METHOD OF VERIFICATION FCRA 611 ( a ) ( 7 ) : For any account you refuse to suppress, I am invoking my right under FCRA 611 ( a ) ( 7 ) to receive the exact method of verification. You must provide the following : The name and full contact info of the furnisher who verified the item The name and direct phone number of the person who verified the information The method and procedures used in verifying the item You must deliver this verification within 15 calendar days as required by law.

ENCLOSED DOCUMENTS : FTC Identity Theft Report Government-issued photo ID Proof of Social Security Number Proof of Address ( utility bill or bank statement ) Screenshot confirming exposure in the Equifax Data XXXX XXXX XXXX : Suppress all fraudulent accounts listed above within 4 business days Send written confirmation of each deletion/suppression Provide full method of verification for any item not deleted Failure to comply will result in formal complaints being filed with the CFPB, FTC, and State Attorney General, and I will seek a writ of review in civil court. 

Thank you for your immediate attention to this serious matter.

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