Consumer complaint received 2025-09-28 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: MS

Complaint narrative:
XXXX Experian XXXX XX/XX/XXXX EXPERIAN FRAUD DISPUTE & CEASE-AND-DESIST LETTER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Experian XXXX : Supervisor Only Fraud Division / Special Handling / Dispute Processing XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Demand for Removal of Fraudulent Information / Identity Theft Dispute / Cease & Desist / Preservation of Evidence Dear Experian Supervisor, I, XXXX XXXX XXXX, am demanding the immediate removal of fraudulent accounts and inquiries reported under my name. This letter serves as a formal DISPUTE, CEASE AND DESIST NOTICE, and DEMAND FOR CORRECTION pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Identity Theft Enforcement and Restitution Act, and related federal consumer protection statutes.

Once fraudulent data is deleted, it can not be reinserted unless certified proof is provided by the furnisher and written notice is given under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Any reinsertion without compliance will constitute a willful violation.

1. Identity Theft Report and Dispute I filed an FTC Identity Theft Report pursuant to 15 U.S.C. 1681g ( e ). I also submitted disputes with XXXX XXXX XXXX 

The following accounts and inquiries are fraudulent, unauthorized, and invalid : Fraudulent Accounts 1. XXXX XXXXXXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$7500.00} Status : Deleted by Experian ( Report No. XXXX, XX/XX/XXXX ) Confirmed fraudulent ; no valid contract exists. 



XXXX. XXXX XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$15000.00} Status : Fraud review confirmed identity theft account closed permanently. 



XXXX. XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$4900.00} XXXX. XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$6100.00} XXXX. XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. Legal Grounds for Removal 1. No Contract No signed agreement or authorization exists linking me to these accounts.

2. No Chain of Title No admissible evidence exists showing lawful ownership of any alleged debt.

3. FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report false or unverifiable data.

15 U.S.C. 1681i CRAs must conduct a reasonable investigation and delete inaccurate data.

15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to ensure accuracy.

15 U.S.C. 1681c-2 Identity theft victims are entitled to an immediate block of fraudulent information. 
XXXX. FDCPA Violations : Any continued collection attempts or reporting of fraudulent accounts constitutes a deceptive and unfair practice under 15 U.S.C. 1692e and 1692f. 



XXXX. Case Law Holding Experian Liable XXXX XXXX Experian Info. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  Experian held liable for failing to reasonably investigate disputed data. 
Younger v. Experian XXXX. XXXX, XXXX XXXX XXXX. XXXX ( S.D. XXXX. XXXX ) Court found Experian liable for failing to suppress fraudulent accounts after notice. 
XXXXXXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) Experian sanctioned for continuing to report fraudulent accounts despite dispute. 
XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) XXXX held Experian liable for negligent XXXX of fraudulent debts. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRA reporting must meet accuracy standards ; unverifiable accounts must be deleted. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A reasonable investigation requires more than parroting creditor claims ; Experian is subject to same standard. 



XXXX. Demands for Immediate Compliance Experian is hereby directed to : 1. Cease and desist from reporting the above-referenced fraudulent accounts and inquiries.

2. Permanently delete all fraudulent data from your records.

3. Block and suppress all future attempts to reinsert this information. 
4. Provide written confirmation of compliance within five ( 5 ) calendar days of receipt of this letter.

5. Attached Evidence FTC Identity Theft Report Proof of prior disputes Experian investigation results and confirmation of prior deletions 6. Notice of Consequences Failure to comply will result in : Formal complaints filed with the CFPB, FTC, Mississippi Attorney General, and Texas Attorney General ; and Civil litigation seeking statutory, actual, and punitive damages under the FCRA, FDCPA, and relevant state law. 

This is your final opportunity to comply before escalation to regulators and federal court. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Email : 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