Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XXXX ) Immediate Demand for Blocking of Fraudulent Information Under FCRA 605B Identity Theft and Fraud Notification To Experian and All Responsible Personnel : This is a formal and urgent legal demand filed as part of a Consumer Financial Protection Bureau ( CFPB ) complaint. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information resulting from identity theft from my consumer credit report within 4 business days of your receipt of this complaint. You are now on notice, and your failure to comply will constitute a direct violation of federal law. The following entries currently appearing on my Experian credit report are fraudulent, unauthorized, and criminal in nature : 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  These items have also triggered multiple fraudulent hard inquiries, which I have listed in the attached documentation, along with a copy of my current credit report showing the above-listed fraudulent data. 

Let me be absolutely clear : I did not open, authorize, initiate, or consent to any of these accounts, collections, or hard inquiries. They are the result of criminal identity theft, and you are now in possession of formal legal documentation proving such. 

Attached is my FTC Identity Theft Report Criminal Complaint # [ XXXX ], issued by the U.S. Federal Trade Commission, verifying that all of the above-referenced accounts and entries are the result of identity theft and fraudulent use of my personal information. 

This is a direct invocation of your legal obligation under the FCRA 605B. You are hereby ordered to : Permanently block each of the above-referenced fraudulent items from appearing in any version of my XXXX credit file Cease all reporting of these items to third parties, immediately Confirm in writing within 4 business days that each item has been removed, blocked, and will not be reinserted under any circumstances Provide an updated credit report reflecting these actions in full If you fail to comply with this formal demand, I will pursue all available legal and regulatory remedies, including but not limited to : Filing additional complaints with the CFPB, FTC, and my State Attorney General Initiating a civil lawsuit for damages related to Experians negligence, willful noncompliance, and continued publication of knowingly false information Seeking punitive damages under the full scope of the Fair Credit Reporting Act This is your final opportunity to resolve this matter lawfully and voluntarily. Any delay, obstruction, or negligence will be documented and escalated accordingly.

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