Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
I am formally disputing the fraudulent and inaccurate accounts listed below and demanding their immediate removal from my credit report. I have been a victim of identity theft, and these accounts were opened or reported without my authorization. Reporting these accounts on my credit file violates my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Disputed Accounts ( Fraudulent & Unverified ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Violations Under the Fair Credit Reporting Act ( FCRA ) Fraudulent Accounts Must Be Blocked ( 15 U.S.C. 1681c-2 ) Under 15 U.S.C. 1681c-2, when a consumer provides notice of identity theft, the credit bureau must block the reporting of fraudulent information within four ( 4 ) business days. Since I am disputing these accounts as fraudulent, you are legally required to remove them immediately.

Violation of Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that credit bureaus ensure maximum possible accuracy when reporting consumer information. These accounts contain inaccuracies and unverifiable data, failing to meet this legal standard.

Failure to Properly Investigate and Delete Fraudulent Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If an item is inaccurate, unverifiable, or fraudulent, the credit bureau must delete it promptly. You are obligated to conduct a thorough reinvestigation, and if verification can not be obtained, these accounts must be permanently deleted.

Unlawful Furnishing of Fraudulent Information ( 15 U.S.C. 1681s-2 ) A data furnisher must not report information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. If these accounts were fraudulently opened, they must not be reported on my file.

Unauthorized Access and Disclosure of My Credit Information ( 15 U.S.C. 1681b ) My consumer report may only be accessed with a permissible purpose. These fraudulent accounts indicate that my personal information has been unlawfully accessed and used without my consent, constituting a direct violation of my rights. 

Experian 's History of FCRA Violations & Legal Issues Failure to Protect Consumer Data XXXX Experian Data Breach In XX/XX/XXXX, Experian suffered a major data breach, exposing the personal information of millions of consumers, including T-Mobile customers. 

Given Experians history of negligence in protecting consumer data, it is highly probable that my personal information was compromised and used fraudulently.

Under 15 U.S.C. 1681c-2, you are legally required to block any accounts resulting from identity theft.

Failure to Properly Investigate Disputes CFPB Lawsuit ( 2025 ) In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) sued Experian for failing to properly investigate consumer disputes and re-reporting inaccurate information after deletion.

This directly applies to my caseif Experian does not conduct a thorough and fair investigation, it will be in direct violation of the FCRA and subject to further regulatory action.

Consumer Harm & Antitrust Lawsuit Against Experian ( 2025 ) Experian is currently facing an antitrust lawsuit for monopolizing consumer verification services, suppressing competition, and harming consumers.

This raises serious concerns about Experians credibility and compliance with fair business practices. Any unverifiable information on my report must be deleted immediately.

Formal Demand for Immediate Action Pursuant to 15 U.S.C. 1681c-2, I formally demand the following actions : Immediate blocking and permanent deletion of all fraudulent accounts listed above.

Written confirmation of deletion within four ( 4 ) business days, as required by law.

A detailed explanation of your investigation, including the name of any furnisher that verified these fraudulent accounts.

Failure to comply will result in immediate complaints filed with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Legal action for FCRA violations This is my final attempt to resolve this matter before pursuing further legal action. I expect your prompt response confirming compliance.

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