Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Formal Dispute and Identity Theft Report Demand for Immediate Deletion of Fraudulent Accounts Under FCRA & FACTA ( Metro 2 Compliance Required ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my Experian credit file, as they are the result of identity theft and/or a data breach and were opened or reported without my authorization or consent.

The following accounts are fraudulent and must be deleted under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) : Per FACTA ( Fair and Accurate Credit Transactions Act ) and FCRA Section 611, you are legally required to block the reporting of these fraudulent accounts within XXXX business days of receiving this identity theft report and supporting documentation. This includes removing all inquiries, tradelines, and any negative reporting associated with these accounts. 
Additionally, per XXXX XXXX Compliance Guidelines and the Credit Reporting Resource Guide ( XXXX ), data furnishers and credit reporting agencies must accurately report and promptly update consumer information. Continuing to report known fraudulent data constitutes negligence and willful noncompliance under 15 U.S.C. 1681n and 1681o, and I reserve the right to take legal action if my rights are not upheld. 
You are hereby notified that any failure to act in good faith and in accordance with federal law will be documented as evidence in any potential complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other appropriate regulatory bodies. 
Please send me a written confirmation once these accounts have been deleted from my credit file. I expect a full response within 30 days, as required by federal law. 

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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