Consumer complaint received 2025-07-29 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: MD

Complaint narrative:
I am writing to formally report that there is information on my consumer report resulting from identity theft. I did not provide written permission or instructions for these transactions to be included in my report. Therefore, I am requesting that this information be blocked and deleted. My request is not made in error, nor is it based on any material misrepresentation of facts. The identified transactions are unrelated to any activity conducted by me as the consumer. 

For the record, I am not a corporation ; I am a consumer reporting identity theft. Please be advised that this is my XXXX attempt at reporting that I am a victim of identity fraud. You continue to send frivolous letters saying XXXX a credit repair business or something. 
You have violated my federally protected consumer rights. Here is a list of violations : Under 15 USC 1681e ( B ), you did not report my consumer report with accuracy.

You also violated 15 USC 1681 ( A ) ( 4 ) by failing to report my consumer report with fairness, impartiality, and respect. In fact, you acted with bias regarding the instructions I provided, choosing to ignore them and instead bullying me into accepting what you deemed verified. 
During your investigation period, you must remove these items within four days, according to 15 USC 1681c-2 ( A ). 
You provided inaccurate key factor information, violating 15 USC 1681c ( D ) ( 2 ).

The unverified items listed below may not remain on my credit report in violation of federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In your first investigation, you stated in writing that you verified these items as being reported correctly. Who verified these accounts? Given this, I have full faith that you violated 15 USC 1681c-2 ( B ) by not notifying the furnisher of the information because you did not provide me with documents proving that, as required under FCRA and federal consumer laws. Therefore, I need you to promptly delete all information within XXXX days of receiving this second attempt. 
The law is clear regarding civil liability and the remedy available to me for negligent noncompliance under FCRA Section 617 and 15 USC 1681o. Since you have failed to comply, I fully intend to enforce my consumer rights under the FCRA and federal consumer laws. 
I have a list of demands that need to be met promptly : I demand the following accounts be deleted immediately within XXXX days. 
Please remove all non-account-holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 

ACCOUNTS : 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 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 XXXXXX/XX/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