Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX RE : XXXX FINAL LEGAL DEMAND TO REMOVE MISLEADING ADDRESS STATUS XXXX XXXX ACCOUNT ( ACCOUNT NO. XXXX ) AND XX/XX/XXXX XXXX XXXX To Whom It May Concern : This is a final 24-hour legal demand issued pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding XXXX unlawful and materially misleading reporting of a closed, paid XXXX XXXX account and its improper association with an address that is not mine. 
I. ADDRESS MISREPRESENTATION : The address in question is not my address. Its continued linkage to my credit profile constitutes false identification, materially misrepresents my identity, and is a direct violation of FCRA 1681e ( b ), which requires all reported data to be accurate and current.

This false address associationespecially when connected to a misclassified tradelinecreates reputational damage, identity confusion, and increased exposure to fraud and misidentification. 
XXXX. XXXX XXXX ACCOUNT MISREPORTING : Account Summary : Creditor : XXXX XXXX Account Number : XXXX Original Balance : {$120.00} Current Balance : {$0.00} Paid in Full Last Payment Date : XX/XX/XXXX Account Status : Closed Status Update Date : XX/XX/XXXX Comments : Settlement accepted on this account paid collection The entry paid collection is misleading and falsely derogatory. It implies that I failed to fulfill my financial obligation until after third-party collections were initiatedwhich is categorically false. The account was paid directly and closed in good standing. No third-party collection agency is listed, and no default action occurred. 
This mislabeling materially damages my credit reputation and violates both the letter and spirit of the FCRA.

III. VIOLATIONS OF FEDERAL LAW & CONTROLLING CASE LAW : 1. 2. 3. FCRA 1681e ( b ) : Requires credit bureaus to maintain maximum possible accuracy of information.

o Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Agencies must actively verify the accuracy of reported information.

o Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) : Even factually accurate data can be misleading if presented without proper context.

FCRA 1681i ( a ) : Requires prompt reinvestigation and correction or deletion of any disputed, incomplete, or unverifiable data.

o Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Credit agencies must delete or correct records that can not be fully verified.

FCRA 1681s-2 ( b ) : Furnishers of data must promptly update or delete inaccurate records once notified.

o Taylor v. First Advantage Background Servs. Corp., 207 F. Supp. 3d 1095 ( N.D.

Cal. 2016 ) : A consumer reporting agency violates the FCRA when it continues to publish ambiguous or misleading data without verifying directly with the source.

IV. NATIONAL SECURITY IMPLICATION XX/XX/XXXX BREACH : In XX/XX/XXXX, over XXXX XXXX email-password combinations tied to major platforms including XXXX, XXXX, XXXX, XXXX XXXX, and financial institutionswere publicly exposed in a breach involving advanced infostealer malware. 
This breach created a nationwide risk of identity theft and financial manipulation. In this security environment, your continued misreporting of a closed XXXX accountpaired with an address that is not mineis grossly negligent and exposes Equifax to direct legal and reputational liability for failure to protect consumer integrity under federal law. 
V. DEMAND FOR RELIEF ACTION REQUIRED WITHIN XXXX HOURS : You are hereby legally required to take the following actions within XXXX hours of receipt of this letter : XXXX. XXXX. XXXX. Remove the address falsely linked to my identity from all credit file entries, including the XXXX XXXX account ; Delete or correct the XXXX XXXX tradeline to reflect : o Paid in Full Closed Account o No collection language or references to third-party involvement Provide written confirmation of all changes made, along with copies of any documents relied upon in your reporting of this account. 
VI. NOTICE OF LEGAL CONSEQUENCES : Failure to comply with this demand will result in immediate escalation, including but not limited to : Formal complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing with the Federal Trade Commission ( FTC ) Complaint to the California Attorney Generals Office A civil lawsuit for actual, statutory, and punitive damages under : o 15 U.S.C. 1681n Willful noncompliance o 15 U.S.C. 1681o Negligent noncompliance This letter is written in full legal compliance with all applicable consumer protection statutes. It is not a request. It is your final notice. 
Respectfully, XXXX 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