Consumer complaint received 2025-07-03 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:
I am writing to issue this URGENT FINAL DEMAND for the immediate and permanent deletion of a fraudulent and unauthorized account from my credit file, as mandated by the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ) and 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). My personal information was compromised in a data breach, resulting in the unauthorized reporting of the account listed below. Furthermore, this account was previously deleted from my credit report and has been improperly reinserted without the required notification, constituting a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 

Account in Question : XXXXXXXX XXXX XXXXXXXX Status : Compromised in Data Breach, Previously Deleted, Improperly Reinserted Unauthorized Use Due to Data Breach ( FCRA Section 605B ) Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian must block information resulting from unauthorized use within four ( 4 ) business days of receiving a consumers written request accompanied by valid identification. The XXXX XXXX account was reported without my authorization due to a data breach. I have enclosed identification to verify my identity, and you are legally required to block and delete this account immediately. 

Improper Reinsertion of Previously Deleted Account ( FCRA Section 611 ( a ) ( 5 ) ( B ) ) According to FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), if an account that was previously removed is later reinserted, Experian must provide written notification to the consumer within five ( 5 ) business days, including the name of the data furnisher and certification that the information is accurate. I have not received any such notification, making this reinsertion a direct violation of my rights under the FCRA. The account must be permanently deleted due to this procedural failure.

Unverifiable Information ( FCRA Section 611 ( a ) ( 5 ) ) Under FCRA Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any information that can not be verified with a legitimate source must be permanently deleted from my credit file. The XXXX XXXX account, stemming from unauthorized use due to a data breach, is unverifiable and unauthorized. You are required to delete this account within thirty ( 30 ) days of this dispute. 

Unauthorized Disclosure of Nonpublic Personal Information ( GLBA Section 502 ) Section 502 of the GLBA ( 15 U.S.C. 6802 ) prohibits the disclosure of nonpublic personal information without consumer consent. I did not provide consent for the reporting of this account, and its presence on my credit report violates my privacy rights under the GLBA.

False or Misleading Representation ( FDCPA ) Under the FDCPA ( 15 U.S.C. 1692e ), the continued reporting of this fraudulent and unauthorized account constitutes a false or misleading representation. Experians failure to remove this account exposes the company to liability for willful noncompliance with federal law.

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