Consumer complaint received 2025-07-05 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. 
XXXX, FL, XXXX XXXX XX/XX/XXXX Subject : DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS IDENTITY THEFT LINKED TO DATA BREACHES To Whom It May Concern : This is a formal and urgent dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and other relevant federal laws. I am demanding the immediate deletion of inaccurate and unauthorized accounts being reported on my credit file. 
BACKGROUND My personal information was compromised in the XXXX Equifax data breach, where over XXXX XXXX Americans Social Security numbers, birth dates, and addresses were exposed. This was confirmed by multiple federal investigations and resulted in a massive settlement. My data was included in that breach. In addition, other major breaches such as those involving XXXX XXXX, XXXX XXXX and others have further compromised my identity. 
Since that time, I have observed the appearance of fraudulent accounts on my credit report that I did not authorize, open, or use. These accounts are the direct result of identity theft made possible by the gross negligence of data holders and the failure of credit bureaus to protect consumer information. 
LEGAL NOTICE & DEMAND Under 15 U.S.C. 1681i, you are legally obligated to investigate disputes and correct or delete inaccurate, incomplete, or unverifiable information within XXXX  days. I am demanding that you expedite this process and act within XXXX XXXX XXXX  ) business days due to the irreparable harm caused to my credit and financial standing. 
Additionally : 15 U.S.C. 1681c-2 : Requires consumer reporting agencies to block fraudulent information resulting from identity theft within four ( 4 ) business days of receiving appropriate documentation. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : Prohibits the continued collection or reporting of disputed and unauthorized debt.

FACTA Amendment ( Public Law 108-159 ) : Mandates that any identity theft- related activity be immediately addressed and remediated upon notice. 
COURT CASES SUPPORTING MY DEMAND : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) The court held that credit bureaus have a duty to conduct a reasonable reinvestigation and failure to do so can result in liability.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Found credit bureaus liable for continuing to report inaccurate information even after receiving notice from the consumer.

Guimond v. Trans Union Credit Information Co., 45 F.3d 1329 ( 9th Cir. 1995 ) Confirmed that credit bureaus must take reasonable steps to ensure maximum possible accuracy. 
WHAT I AM DEMANDING Immediate deletion of all accounts that are not verifiably mine from all three credit bureaus. 
A written investigation report and confirmation of deletions within XXXX ( XXXX ) business days. 
If no action is taken within the stated timeframe, I will escalate this matter : File formal complaints with the CFPB, FTC, and State Attorney General Pursue civil action for damages, including statutory, punitive, and actual damages for negligence, emotional distress, and FCRA violations. 
XXXX. 
You are hereby on notice. Continued reporting of these accounts constitutes willful noncompliance under 15 U.S.C. 1681n and subjects you to damages of {$1000.00} per violation, plus punitive damages and legal fees.

This letter serves as your final opportunity to comply before legal proceedings are initiated. 
Sincerely, XXXX XXXX Attachments to Include : Copy of government-issued ID Copy of Social FTC Identity Theft Affidavit Proof of Data Breach

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