Consumer complaint received 2025-07-13 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: MS

Complaint narrative:
This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification. 


XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Basis for Dispute and Unyielding Demands : * * 1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft * * In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed is a copy of the identity theft report filed with [ XXXX XXXX XXXX XXXX ] on [ XXXX XXXX ]. You are REQUIRED BY LAW to block this information within FOUR ( 4 ) BUSINESS DAYS of receiving this request. Failure to comply will leave me no choice but to take further action against your agency, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

* * 2. FCRA Section 604, 15 U.S.C. 1681b - Permissible Purposes for Furnishing Consumer Reports * * The fraudulent and unverified nature of the account in question highlights a blatant violation of permissible purposes for furnishing consumer reports. I demand that you REMOVE this information immediately to rectify this significant legal infringement.

* * 3. Gramm-Leach-Bliley Act ( GLBA ) - Protection of Personal Financial Information * * The protection of my personal financial information is paramount. Your failure to uphold the tenets of the Gramm-Leach-Bliley Act in safeguarding my sensitive data is unacceptable. I insist that you take IMMEDIATE action to ensure my information is not compromised further.

# # # Demand for Immediate Action : * * 1. Delete or Block the Disputed Information : * * I demand that you DELETE or BLOCK the disputed information without delay.

* * 2. Verification Documentation : * * Should you dispute my claims, I demand you provide verifiable documentation to substantiate the accuracy of the reported information.

* * 3. Permissible Use Inquiry : * * A thorough review of the permissible use of my consumer report must be conducted. Any unverifiable accounts must be swiftly removed.

Your prompt compliance with these demands will not only adhere to federal regulations but also restore my trust. However, any delays will compel me to escalate this matter to the relevant authorities.

I expect to hear back from your office within 30 days of receipt of this letter to confirm that the inaccuracies have been rectified. Thank you for your immediate attention to this urgent matter.

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