Consumer complaint received 2025-04-08 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: CT

Complaint narrative:
Dear Compliance Officer, I am writing to formally and urgently dispute several fraudulent and unauthorized accounts and inaccurate addresses that are being reported on my credit file. These entries are the direct result of a domestic violence situation in which I was under extreme duress and life-threatening coercion.

During this abusive relationship, I was physically and emotionally forced to surrender control of my identity. My personal information was used to open multiple financial accounts without my consent, and I was threatened with severe violence if I resisted. The listed accounts and addresses are not of my doingthey were created or connected during a time where my life was literally in danger. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ) and FACTA provisions, I am asserting my rights as a victim of identity abuse and domestic coercion. The law entitles me to the complete removal of all fraudulent items from my credit report. 

FRAUDULENT ACCOUNTS TO BE IMMEDIATELY REMOVED XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX These accounts were opened under duress or without my knowledge. I was never in control of these financial activities. Continuing to report these accounts is not only inaccurateit perpetuates the financial trauma I endured from an abuser. 

FRAUDULENT / INACCURATE ADDRESSES TO REMOVE XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX These addresses are connected to the abuser and were used to control , monitor, and exploit my identity. I demand they be permanently disassociated from my credit profile. 

LEGAL STANDING The FCRA mandates that any disputed information stemming from identity theft, coercion, or abuse must be removed within 4 business days of sufficient notification. I am prepared to provide an identity theft affidavit, police reports, and testimony if requiredbut I am also aware that under FCRA 609, you are required to validate each account with original application records bearing my signature. Failure to do so requires immediate deletion. 

If you fail to comply, I am prepared to pursue : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Legal action for willful noncompliance under Sections 616 and 617 of the FCRA Civil damages and emotional distress compensation under applicable law I expect confirmation that the above-listed fraudulent accounts and addresses have been permanently deleted from my file. I trust you will handle this matter with the urgency and care it demands. 

Sincerely,

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