Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Permanent Removal of Fraudulent Accounts and Incorrect Addresses FCRA Violations To Whom It May Concern, This letter serves as my formal demand for the immediate and permanent removal of fraudulent accounts and inaccurate addresses listed on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove any information resulting from identity theft within four business days upon receiving proper documentation. 

I have previously submitted an FTC Identity Theft Report and a police report, confirming that I am a victim of identity theft. Despite this, you have failed to block or delete the fraudulent accounts and incorrect addresses associated with the identity thief, in clear violation of the FCRA. 

Fraudulent Accounts to Be Removed Immediately Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Incorrect Addresses to Be Removed Immediately The following addresses, listed in my FTC Identity Theft Report, do not belong to me and should be permanently deleted from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Under 15 U.S.C. 1681c ( a ) ( 5 ), you are required to ensure that credit reports do not contain inaccurate information, including incorrect addresses associated with identity theft.

Violations of the Fair Credit Reporting Act ( FCRA ) 1.Failure to Block Identity Theft Accounts ( 15 U.S.C. 1681c-2 ( a ) ) A consumer reporting agency must block the reporting of any information that resulted from identity theft within four business days after receiving proof of identity theft. Your failure to comply is a direct violation of federal law.

2.Reporting of Inaccurate Addresses ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Consumer reporting agencies must not include inaccurate addresses in consumer reports. Since I never resided at these addresses, your continued reporting of them is negligent and unlawful.

3.Lack of Permissible Purpose ( 15 U.S.C. 1681b ( a ) ) A consumer reporting agency may only furnish a consumer report with the written instruction of the consumer or under specific permissible purposes. 
I have never given written consent for these accounts or addresses to be reported, making this an unauthorized disclosure in violation of my federally protected rights. 

Legal Consequences of Non-Compliance If you fail to permanently delete these fraudulent accounts and incorrect addresses from my credit file within the legally required timeframe, I will pursue legal action against you for violations of the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to statutory damages of {$1000.00} per violation, actual damages, attorney fees, and court costs.

This is your final notice before I proceed with legal action. I expect full compliance within 10 days of receipt of this letter. Failure to do so will result in a lawsuit against your company in California Small Claims Court for FCRA violations. 
SS # ( XXXX Sincerely, 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 non-monetary relief