Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, XXXX whom it may concern at Experian, Regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. 
I am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. 
I am extremely disappointed by the findings of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. 
Kindly conduct a thorough investigation into these matters and promptly address the disputed items. 
XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX APT XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in XXXX U.S.C. XXXX. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. I hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. 
Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. 
Kindly comply with this request promptly. 
Please note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. 
Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. 
XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. 
Thank you for your immediate attention to this matter. I anticipate a swift resolution. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX CT XXXX, CA XXXX SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX. 
XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints 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