Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
RE : LEGAL DEMAND FOR IMMEDIATE PERMANENT DELETION OF FRAUDULENT ACCOUNTS DATA BREACH VICTIM FCRA 1681c-2 ( a ), 1681e ( b ), 1681s-2 ( b ), 1681i ( a ) ( 5 ) To the EXPERIAN Legal Department : This is a final legal demand for the immediate and permanent deletion of the following accounts from my credit file, as they were the result of fraud and identity theft stemming from a data breach. You are hereby legally barred from continuing to report, verify, or reinsert these accounts under federal law. The following accounts are unauthorized, unverified, and unlawful under the Fair Credit Reporting Act ( FCRA ) : Accounts Dispute : 1.Navy XXXX XXXX Opened XX/XX/XXXX Amount {$20000.00} 2.XXXX XXXX  Opened XX/XX/XXXX Amount {$450.00} 3. INQUIRY / XXXX XXXX A Opened XX/XX/XXXX Amount {$430.00} You are required to take the following action within FOUR ( 4 ) BUSINESS DAYS of receipt of this letter : 1. 2. 3. DELETE AND BLOCK ALL LISTED ACCOUNTS from my XXXX  file under 15 U.S.C.

1681c-2 ( a ), as they are the result of identity theft. 
CEASE AND DESIST from any future reporting or re-reporting of these accounts, pursuant to 1681i ( a ) ( 5 ) ( C ).

REFRAIN FROM RESPONDING WITH " VERIFIED '' unless you are prepared to provide documented evidence of authorization bearing my wet signature and in-person identity verification which does not exist, as I did not authorize these accounts.

CONDUCT A GOOD FAITH REINVESTIGATION as required by 1681i ( a ) ( 1 ) not a superficial data match and notify me of the results in writing.

Provide a written statement confirming full deletion, including notification that these accounts will not be reinserted under 1681a ( 5 ) ( C ) ( iii ). 
XXXX  is on legal notice that failure to remove and block these fraudulent accounts will constitute willful noncompliance with the FCRA and will expose your company to legal liability under : 15 U.S.C. 1681n Willful noncompliance ( punitive and statutory damages ) 15 U.S.C. 1681o Negligent noncompliance ( actual damages and legal fees ) Furthermore, if XXXX  fails to comply, I will file immediate complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate civil litigation. This letter is your final opportunity to resolve this matter without escalation. 
I am including a government-issued photo ID, proof of address, and I am prepared to include a police report or FTC identity theft affidavit upon request. You are now in possession of formal documentation of the fraud, and any further delay or mishandling will be viewed as an intentional violation of my federal rights. 
This is not a request. It is a legal demand under federal statute. XXXX  is expected to comply in full, within four ( 4 ) business days of receipt of this letter. 

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