Consumer complaint received 2025-07-12 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft. 
As ruled in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reporting agencies have a duty to conduct a reasonable reinvestigation and may be held liable for failing to do so. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information. 




I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Accounts to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Copy of the FTC Identity Theft Report List of disputed accounts Proof of data breach If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o. 



This letter serves as formal notice. Govern yourselves accordingly. 



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