Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FORMAL NOTICE OF IDENTITY THEFT, FRAUD & DEMAND FOR IMMEDIATE BLOCKING & DELETION UNDER FCRA 605B This letter serves as my formal legal demand for the immediate blocking, deletion, and permanent removal of the fraudulent accounts listed below. I did not open, authorize, apply for, sign for, agree to, nor benefit from these accounts in any form. 
These accounts are the direct result of IDENTITY THEFT, FRAUD, AND UNAUTHORIZED USE OF MY PERSONAL INFORMATION. 
You are now on official notice under federal law. 
FRAUDULENT ACCOUNTS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraud Amount : {$39000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraud Amount : {$39000.00} XXXX. XXXX Credit Card XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraud Amount : {$6400.00} XXXX. XXXX Credit Card XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraud Amount : {$6400.00} XXXX. XXXX Credit Card XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraud Amount : {$1000.00} FEDERAL LAW VIOLATIONS You are now in violation of : FCRA 605B Mandatory blocking of identity-theft accounts FCRA 1681a & 1681b No permissible purpose FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to conduct a lawful investigation 15 U.S.C. 1643 Unauthorized credit use UCC 3-403 & 3-404 Unauthorized signatures & impostor fraud UCC 1-304 Obligation of good faith These accounts were opened WITHOUT AUTHORIZATION, making them VOID AB INITIO ( void from the beginning ).

IMMEDIATE DEMAND FOR DELETION OF UNAUTHORIZED & FRAUDULENT HARD INQUIRIES FCRA VIOLATIONS This letter serves as my formal legal notice and demand for the IMMEDIATE DELETION of the unauthorized, fraudulent hard inquiries listed below from my consumer credit file.

I DID NOT AUTHORIZE, APPLY FOR, CONSENT TO, OR HAVE ANY PERMISSIBLE BUSINESS PURPOSE for any of the inquiries listed below. These inquiries constitute IDENTITY THEFT, FRAUD, AND UNLAWFUL ACCESS TO MY CONSUMER REPORT. 
You are now on formal notice under federal law. 
FRAUDULENT HARD INQUIRIES TO BE DELETED XXXX. XXXX / XXXX XXXX  Inquiry Date : XX/XX/XXXX Scheduled Removal : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Scheduled Removal : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Scheduled Removal : XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX XXXX XXXX  ) Inquiry Date : XX/XX/XXXX Scheduled Removal : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX FEDERAL LAW VIOLATIONS These unauthorized inquiries place you in violation of : FCRA 604 ( 15 USC 1681b ) No permissible purpose FCRA 605B Identity theft blocking FCRA 611 ( 15 USC 1681i ) Failure to correct inaccurate data FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681n & 1681o Civil liability for willful & negligent non-compliance 15 USC 1643 Unauthorized use of credit UCC 1-304 Obligation of good faith UCC 3-403 Unauthorized signatures & obligations Each unauthorized inquiry is a separate federal violation. 
MY LAWFUL DEMAND ( NON-NEGOTIABLE ) You are hereby ordered to : 1. IMMEDIATELY DELETE all inquiries listed above 2. CEASE ALL REPORTING related to these inquiries 3. DO NOT VERIFY, REINSERT, OR UPDATE these inquiries 4. SEND ME WRITTEN CONFIRMATION OF DELETION 5. PROVIDE THE NAME, LICENSE NUMBER, AND ADDRESS of any person claiming verification authority NOTICE OF LIABILITY Failure to comply will subject your organization to : Statutory DAMAGES ACTUAL DAMAGES PUNITIVE DAMAGES ATTORNEY FEES FEDERAL CIVIL LITIGATION Complaints will be immediately escalated to : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General Federal Civil Court These inquiries were placed on my credit file WITHOUT AUTHORIZATION and WITHOUT PERMISSIBLE PURPOSE and are therefore ILLEGAL.

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