Consumer complaint received 2025-06-02 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: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Identity Theft Dispute and Demand for Immediate Removal of Fraudulent XXXX XXXX Account To Whom It May Concern, I am formally disputing the fraudulent XXXX XXXX account currently listed on my credit report and demanding its immediate removal pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, Section 605B ), the Florida Identity Theft Act ( Fla. Stat . 817.568 ), and other applicable consumer protection statutes. 

1. Identity Theft and Unauthorized Loan Origination This is not a mere billing errorthis is a case of criminal identity theft and loan fraud under both Florida and federal law. The key facts are as follows : On XX/XX/year>, I entered into a legitimate agreement to purchase a XXXX  XXXX XXXX XXXX XXXX for {$36000.00}, with a {$2000.00} down payment and {$2000.00} rebate, leaving a balance of {$32000.00}. 

XXXX XXXX, Finance Manager at XXXX of XXXX, fraudulently increased the loan amount to approximately {$52000.00} by adding unauthorized charges ( e.g., XXXX  ) without my knowledge or consent. 

My personal and credit information was misused to originate a loan far exceeding the amount to which I agreedconstituting identity theft and fraudulent misrepresentation. 

I never signed or consented to the inflated loan terms, and the dealership falsified financial documents in order to enrich themselvesthis constitutes fraud, identity theft, and a violation of my federal rights. 

2. Identity Theft Report Filed In accordance with FCRA 605B : I have filed an Identity Theft Report with the XXXX XXXX Sheriffs Department ( kindly see file attached ) I am fully prepared to press criminal charges against the individuals responsible and I have informed the XXXX XXXX XXXX Sherriff 's office about this Under federal law, credit reporting agencies are legally required to block this account once an identity theft report is submitted. 

XXXX. XXXX XXXX  Continued Reporting Is Unlawful Despite being notified, XXXX XXXX has refused to correct or remove this fraudulent account, likely due to its relationship with the dealership and thus a conflict of interest. 

This conduct violates : FCRA 623 ( a ) ( 6 ) : Furnishing information known to result from identity theft. 

FCRA 605B : Obligation to block fraudulent information upon receipt of an identity theft report. 

Fla. Stat. 817.568 ( 6 ) : Prohibiting creditors from collecting or reporting fraudulent debts once notified. 

4. Legal Demand for Immediate Action I hereby demand : Immediate and permanent deletion of the XXXX XXXX account from my credit reports. 

Written confirmation that this account has been blocked and will no longer be reported. 

Notification to XXXX XXXX that they must cease reporting and collection efforts on this account. 

5. Notice of Legal Remedies Failure to comply within 4 calendar days will result in : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Florida Attorney General. 

Civil legal action under FCRA 616 and 617 for statutory damages ( up to {$1000.00} per violation ), actual damages, attorneys fees, and punitive damages. 

Enclosures ( Attached for Verification ) Copy of Identity Theft Report ( XXXX XXXX Sheriffs Department ) Copy of various documents regarding the sale of the SUV Copy of a settlement agreement offered to me by XXXX XXXX which can not be accepted as its not credulous and doesn't cover all the damages that there actions have caused. 

Email correspondence from XXXX XXXX ( General Manager, XXXXXXXX XXXX XXXXXXXX ) admitting to unauthorized charges and deceptive conduct This matter is non-negotiable. You are required under federal and state law to immediately block and delete all references to this fraudulent account. I expect prompt compliance and written confirmation of resolution. I have also enclosed documents from the CFPB and the FTC on how identity theft accounts should be handled Sincerely, XXXX XXXX [ Last 4 digits of SSN are XXXX Enclosures : Identity Theft Report Vehicle Purchase Agreement Emails Confirming Fraud

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