Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
XXXX Experian Dispute Letter XXXX Experian Dispute Letter Final with Case Law XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX VIA CERTIFIED MAIL & EMAIL To : Experian Attn : Fraud Division / Special Handling / Dispute Processing XXXX XXXX XXXX XXXXXXXX, TX XXXX CEASE AND DESIST FRAUDULENT ACCOUNTS, COLLECTIONS & INQUIRIES Re : Dispute of Fraudulent Accounts, Identity Theft, and Notice of Preservation of Evidence Dear Experian Supervisor, I, XXXX XXXX XXXX, dispute the following fraudulent accounts, collections, and inquiries. These items are the result of identity theft and fraudulent third-party activity. I have never applied for, authorized, or signed agreements for these accounts or inquiries. They are false, inaccurate, and must be removed and permanently blocked from my consumer file. 



XXXX. Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$170.00} XXXX. XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$750.00} XXXX. XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$350.00} XXXX. XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} XXXX. XXXX XXXX XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$650.00} XXXX. Fraudulent Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX removal XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ( removal XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX. Legal Grounds for Removal Unauthorized Accounts : I did not apply for, authorize, or contract for these accounts. 
FCRA Violations : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information.

Reinsertion Restrictions : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), deleted data may not be reinserted without proper certification and notice.

Fraud Block Requirement : Under 15 U.S.C. 1681c-2, fraudulent information must be blocked once identity theft is reported. 
Reasonable Procedures Obligation : Under 15 U.S.C. 1681e ( b ), Experian must ensure maximum possible accuracy.

Debt Collection Communications : Under 15 U.S.C. 1692c and 1692g, I restrict unlawful debt collection communications. 
Proof of Ownership & Chain of Custody : See In re 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 
UCC Article 3 : U.C.C. 3-301 & 3-203 ( b ) require proof of entitlement to enforce debt.

Right of Rescission : Under 15 U.S.C. 1635, I reserve the right to rescind any transaction fraudulently created in my name. 



XXXX. Case Law Supporting Liability Against Experian Federal courts have held Experian liable when it negligently reports false data or fails to conduct reasonable reinvestigations : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Experian held liable for failing to follow reasonable procedures under the FCRA. 
XXXX v. Experian Info. Solutions, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX found Experian negligent for reporting false accounts despite notice of dispute. 
XXXX v. Experian Info. Solutions, Inc., XXXX XXXX XXXX ( XXXX XXXXXXXX ) Experian held responsible for failing to remove disputed tradelines. 
XXXX v. Experian Info. Solutions, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX recognized Experians willful disregard of disputes as grounds for punitive damages. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Applied to all CRAs : a credit bureau can not simply rely on furnishers ; it must conduct its own reinvestigation. 



5. Demands for Immediate Action I demand that Experian : 1. Cease and Desist from reporting or distributing fraudulent accounts, collections, or inquiries.

2. Permanently delete and block all disputed items, including fraudulent addresses or identifiers.

3. Correct my consumer file and notify all third parties who received inaccurate data.

4. Provide written confirmation within five ( 5 ) calendar days of receipt.

6. Preservation of Evidence This letter serves as a Notice of Preservation of Evidence. Experian must preserve all records, contracts, applications, assignments, and communications related to the disputed data. Failure to preserve will constitute spoliation and be grounds for sanctions. 



XXXX. Enclosures FTC Identity Theft Report Government-issued ID SSN Verification 8. Notice of Remedies If this matter is not resolved, I will escalate complaints to the CFPB, FTC, and Missouri Attorney Generals Office. I further reserve the right to pursue statutory, compensatory, and punitive damages under the FCRA, FDCPA, UCC, and all applicable laws. 



Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX XXXX : XX/XX/XXXX SSN : 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