Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
I am issuing this URGENT FINAL DEMAND for the immediate and permanent deletion of fraudulent and unauthorized accounts from my credit file, as mandated by the Fair Credit Reporting Act ( FCRA ) Sections 605B ( 15 U.S.C. 1681c-2 ), 1681i ( a ) ( 5 ), Section 502 of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6802 ), and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). My personal information was compromised in a data breach, resulting in the unauthorized reporting of the accounts listed below. YOU ARE LEGALLY OBLIGATED TO DELETE THESE ACCOUNTS IMMEDIATELY. Failure to comply within the statutory timeframe will result in legal and regulatory action against [ Credit Bureau Name ], including but not limited to complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuit of civil damages for willful noncompliance under FCRA 1681n. 

Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you MUST block information resulting from unauthorized use within four ( 4 ) business days of receiving a consumers written request accompanied by valid identification and an FTC Identity Theft Report. I have attached my FTC Identity Theft Report ( # XXXX ), which details the fraudulent accounts, along with a copy of my identification to verify my identity. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified with a legitimate source MUST BE PERMANENTLY DELETED from my credit file. The accounts listed below, stemming from unauthorized use due to a data breach or identity theft, are unverifiable, unauthorized, and fraudulent, and MUST BE REMOVED NOW.

Furthermore, under FCRA 1681 ( a ) ( 4 ), there is a Congressional mandate to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The presence of the fraudulent repossession account with XXXX on my credit report VIOLATES MY CONSUMER RIGHTS under this provision, as it unfairly and inaccurately harms my credit standing without any legitimate basis, infringing on my privacy and financial well-being. This unauthorized reporting constitutes an egregious breach of your duties as a consumer reporting agency. 

Section 502 of the GLBA ( 15 U.S.C. 6802 ) PROHIBITS the disclosure of nonpublic personal information without consumer consent, which was NEVER PROVIDED for these accounts. Your continued reporting of these items is a direct violation of this law. Moreover, under the FDCPA ( 15 U.S.C. 1692e ), your ongoing reporting of these fraudulent or unauthorized accounts constitutes a FALSE OR MISLEADING REPRESENTATION, exposing credit reporting agencies to liability for willful noncompliance, including statutory damages, actual damages, and attorneys fees. 

I have previously disputed these accounts, contacted the furnishers ( who failed to respond or provide proof ), and filed complaints with regulatory authorities. Your failure to act on my prior disputes demonstrates a pattern of noncompliance, and I will not tolerate further delays. THIS IS YOUR FINAL WARNING : REMOVE THESE ACCOUNTS OR FACE LEGAL CONSEQUENCES. 

The accounts to be deleted are as follows : Account : XXXX ( Repossession Account ) Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$9300.00} Account : XXXX XXXX XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$110.00} Account : XXXX XXXX XXXX Account Number : XXXX Fraud Began : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$770.00} I DEMAND IMMEDIATE ACTION to block and permanently delete the XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX accounts from my credit file within four ( 4 ) business days, as required by FCRA Section 605B for unauthorized use due to identity theft, and within thirty ( 30 ) days for other disputes under FCRA Section 611 ( 15 U.S.C. 1681i ). Additionally, provide : WRITTEN CONFIRMATION that these accounts have been fully and permanently deleted from my credit file. 



An UPDATED COPY of my credit report reflecting the deletions. 



A DETAILED EXPLANATION of the investigative steps taken and measures implemented to prevent future unauthorized reporting. 

Enclosed with this letter is a copy of my identification to verify my identity, as required under FCRA, along with my FTC Identity Theft Report ( # XXXX ). FAILURE TO COMPLY WILL RESULT IN IMMEDIATE ESCALATION, including filing formal complaints with the CFPB, FTC, and state attorneys general, as well as initiating a lawsuit for violations of federal law, seeking maximum statutory damages of {$1000.00} per violation under FCRA 1681n, punitive damages, and all associated costs.

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