Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX * * Subject : * * Formal Demand for Deletion of Inaccurate and Unauthorized Accounts XXXX  Breach Reference # XXXX * * To Whom It May Concern : * * This letter serves as my formal and lawful demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for the immediate deletion of the following accounts from my XXXX  credit file, as they are inaccurate, unauthorized, and the direct result of identity compromise connected to your documented data breach ( XXXX  XXXX XXXX # XXXX ) : 1. * * XXXX XXXX XXXX XXXX XXXX ( XXXX ) * * 2. * * XXXX XXXX XXXX  * * ( Account # XXXX * \ * \ * \ * ) 3. * * Advantage Credit * * 4. * * XXXX  XXXX XXXX * * XXXX. * XXXX XXXX * * * * Legal Grounds for Demand * * 1. * * FCRA 602 ( A ) * * Congress recognizes the need to ensure maximum possible accuracy in credit reports and that inaccurate reporting undermines consumer privacy and economic stability.

2. * * FCRA 611 ( 15 U.S.C. 1681i ) * * Upon notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation to determine accuracy. Failure to delete unverifiable or inaccurate data within 30 days constitutes a willful violation.

3. * * FCRA 605B ( 15 U.S.C. 1681c-2 ) * * Requires expedited blocking of information resulting from identity theft upon receipt of appro
priate proof, including police reports or breach documentation.

4. * * Case Law : * * * Cushman v. Trans Union Corp. *, 115 F.3d 220 ( 3d Cir. 1997 ) Established that CRAs must do more than a cursory review ; they must investigate beyond simply confirming with the furnisher.

5. * * FTC v. Equifax ( 2019 ) * * The Federal Trade Commission held XXXX  responsible for failing to safeguard personal data, resulting in the largest data breach settlement in U.S. history.

* * Evidence of Breach and Fraud * * XXXX  own records acknowledge my information was compromised in the breach tied to Engagement # XXXX. As a result, these disputed accounts were opened, reported, or altered without my consent. This constitutes a clear violation of my rights under the FCRA, FACTA, and applicable state consumer protection laws.

* * Required Action * * * Permanently delete the above-listed accounts from my XXXX  credit file.

* Provide written confirmation of deletion within * * 30 calendar days * * from receipt of this letter.

* Provide the full results of your reinvestigation, including the method of verification used, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in immediate escalation, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the South Carolina Department of Consumer Affairs, as well as pursuing civil litigation for statutory damages under FCRA 616 and 617.

* * Enclosures : * * * Copy of government-issued ID * Police/Identity Theft Report ( if available ) * XXXX  breach notice ( XXXX ) I expect full compliance within the statutory timeline. This letter serves as notice and demand, and no further warning will be issued before enforcement action is taken. 

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 explanation