Consumer complaint received 2025-08-07 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested & Email To : Experian Attn : Experian Fraud Division / Special Handling / Dispute Processing XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized accounts and credit inquiries reported on my Experian credit file. This notice constitutes an official Identity Theft Report and Legal Demand for immediate deletion of the listed accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and relevant state laws. 



IDENTITY THEFT REPORT AND DISPUTED ITEMS I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under 15 U.S.C. 1681g ( e ). The following items are the result of identity theft and were not authorized, opened, or initiated by me : FRAUDULENT ACCOUNTS TO BE DELETED 1. XXXX XXXX Balance {$560.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Balance {$1300.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Balance {$3900.00} Account number XXXX Date opened XX/XX/XXXX FRAUDULENT INQUIRIES TO BE REMOVED XXXX. XXXX XXXX XXXX date XX/XX/XXXX GROUNDS FOR REMOVAL XXXX. These institutions have confirmed there is no valid agreement or contract bearing my signature or authorization. 
2. There is no legally binding documentation, evidence of consent, or verified application linking me to the accounts.

LEGAL DEMAND FOR IMMEDIATE ACTION Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Experian and any data furnishers are prohibited from reporting information that is inaccurate or disputed without proper investigation. Continued reporting of these items may be considered willful noncompliance, subject to civil liability under 15 U.S.C. 1681n and 1681o. 

Experian has previously been found liable for similar violations, including but not limited to the following federal cases : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) While involving XXXX, this XXXX Supreme Court case set precedent around consumer standing and inaccurate credit file data. Experian, as a major CRA, is equally bound to prevent misreporting and identity mismatch. 
XXXX. XXXX v. Experian Information Solutions , Inc., XXXX. XXXX ( XXXX XXXX, XXXX XXXX Experian paid {$24.00} million in a class-action settlement for failing to properly investigate and correct disputed public records data, in violation of FCRA 1681e ( b ). 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  and Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The XXXX XXXX XXXX held Experian liable for failing to delete inaccurate information after being notified, emphasizing the duty to investigate thoroughly under FCRA 1681i. 

These cases establish a clear legal pattern of accountability for continued misreporting after notice of identity theft or error. You are now formally instructed to : 1. Immediately cease and desist all reporting, collection, or communication regarding the above fraudulent accounts and inquiries.

2. Delete all records related to the fraudulent items from your databases.

3. Restrict all third-party access to this information unless explicitly authorized in writing.

4. Notify all relevant bureaus and furnishers of the removal. 
5. Provide written confirmation of all actions taken within five ( 5 ) calendar days of receipt of this letter.

ENCLOSURES : FTC Identity Theft Report Copy of Government-Issued ID Proof of Residency Supporting Documentation NOTICE OF ENFORCEMENT RIGHTS If you fail to comply, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue civil action seeking statutory and punitive damages for willful noncompliance and negligent reporting under FCRA 1681n and 1681o.

Thank you for your prompt attention. 

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