Consumer complaint received 2025-05-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX RE : Dispute of Fraudulent Accounts Due to Multiple Data Breaches To Whom It May Concern : My name is XXXX XXXX, and I am writing to formally dispute several inaccurate and unauthorized accounts currently appearing on my Experian credit report. Due to multiple confirmed data breaches involving my personal identifying information, I have strong reason to believe that these accounts were opened and reported as a result of fraudulent activity or unauthorized use of my identity. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) including, but not limited to, 15 U.S.C. 1681c-2 ( a ) ( identity theft procedures ), 15 U.S.C. 1681b ( permissible purpose ), and 15 U.S.C. 1681i ( dispute and reinvestigation procedures ). Furthermore, I am demanding immediate action under FCRA Section 609 ( a ), which requires that you fully validate these accounts and their source of reporting. 

The following accounts are disputed and must be immediately deleted or properly verified : XXXX | Acct # XXXX | {$170.00} | Collection XXXX | Acct # XXXX | {$440.00} | Collection XXXX XXXX XXXX | Acct # XXXX | {$6600.00} | Collection XXXX XXXX XXXX | Acct # XXXX | {$490.00} | Collection XXXX XXXX XXXX | Acct # XXXX | {$390.00} | Collection XXXX XXXX XXXX | Acct # XXXX | {$530.00} | Charge-Off XXXX XXXX | Acct # XXXX | {$160.00} | Charge-Off XXXX XXXX XXXX | Acct # XXXX | {$12000.00} | Repossession XXXX XXXX XXXX XXXX | Acct # XXXX | {$14000.00} | Repossession XXXX XXXX | Acct # XXXX | {$3300.00} | Repossession XXXX XXXX | Acct # XXXX | {$5400.00} | Repossession XXXX  XXXX XXXX | Acct XXXX XXXX | Bankruptcy XXXX XXXX XXXX XXXX | Acct # XXXX | XXXX  XXXX XXXX XXXX XXXX  XXXX | Case XXXX XXXX | Bankruptcy Due to my information being exposed in multiple national-level data breaches, I can not confirm nor recognize these accounts as legitimate. I demand that Experian either ( 1 ) provide full validation including the original contract with signature and application details, or ( 2 ) delete these items immediately. 

Additional Legal Notice : Under FCRA 611 ( a ) ( 5 ), if any of the accounts listed above are deleted and then reinserted into my file, you are required to provide me with written notice within 5 business days. Failure to do so is a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please send a complete updated copy of my credit report reflecting the results of this dispute once your investigation is concluded. 

I appreciate your immediate attention to this matter. If you are unable to verify the listed accounts within the statutory timeline, they must be permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : 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