Consumer complaint received 2025-06-11 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, Fl, XXXX XXXX XX/XX/XXXX Subject : LEGAL DEMAND FOR PERMANENT REMOVAL OF FRAUDULENT ACCOUNT IDENTITY THEFT ( EQUIFAX XXXX DATA BREACH ) To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate and permanent deletion of a fraudulent account appearing on my credit report. I am a documented victim of the XXXX Equifax data breach, during which my sensitive personal information was unlawfully exposed and subsequently used to open unauthorized accounts. 



The account in question was not opened, authorized, or used by me and is a direct result of identity theft. Its inclusion on my credit file violates my rights under federal law, and I am demanding its permanent removal. 





Legal Grounds for Immediate Deletion : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : You are required to block and delete information resulting from identity theft within four business days of receiving proper documentation.

FCRA 1681i ( a ) : Requires you to conduct a reasonable reinvestigation of disputed information and delete anything found to be inaccurate or unverifiable.

FCRA 1681e ( b ) : Mandates that consumer reporting agencies maintain only information that is as accurate and complete as possible. 
FACTA ( Fair and Accurate Credit Transactions Act ) : Obligates credit reporting agencies to block fraudulent data after receiving an Identity Theft Report.

FCRA 1681i ( a ) ( 5 ) ( B ) : If a disputed item is deleted, it may not be reinserted into a credit report unless the furnisher certifies its accuracy and the consumer is notified in writing within five business days.

I am preemptively asserting that this item is fraudulent and must not be reinserted under any circumstances.

Required Action : Immediately and permanently delete the fraudulent account from all versions of my credit file.

Provide me with a corrected copy of my credit report reflecting the deletion.

Issue a written confirmation that the item has been removed and will not be reinserted unless full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) is met ( including written notice to me ).

Notice of Legal Consequences : Failure to comply with this demand constitutes willful noncompliance with the FCRA and other federal statutes. If this account is not permanently removed within 15 calendar days, I will immediately file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I will pursue all legal remedies available under the law, including but not limited to : Statutory damages of up to {$1000.00} per violation Actual damages including any credit or financial harm Punitive damages, where applicable Attorneys fees and costs, as allowed by 15 U.S.C. 1681n & 1681o You are now on legal notice. There is no ambiguity here : this account must be deleted and never reinserted without full legal compliance and written notice to me. 



Sincerely, XXXX XXXX Enclosures : Government-issued Photo ID Proof of Current Address FTC Identity Theft Report Proof of data breach Equifax affidavit

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