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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT AND XXXX XXXX XXXX To Whom It May Concern : This is a formal and urgent demand for the immediate deletion of all fraudulent accounts appearing on my credit report that were the result of identity theft, likely stemming from the XXXX XXXX XXXX of XXXX, which compromised the sensitive information of over XXXX XXXX Americans, including myself. 

I demand that these accounts be removed from my credit report within four ( 4 ) calendar days from the date of your receipt of this letter. Failure to comply will result in immediate escalation, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Florida Attorney General, and civil litigation. 



LEGAL BASIS FOR DISPUTE You are legally required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to promptly investigate and correct any inaccurate or fraudulent information on a consumers credit report. Under 1681c-2, when a consumer reports identity theft and provides documentation, you must block the fraudulent information within 4 business days.

Furthermore, under 15 U.S.C. 1681s-2, data furnishers are required to report only accurate information. You are also required to notify furnishers of a dispute and delete unverifiable information under 1681i ( a ) ( 5 ) ( A ). Continued reporting of false, unverified accounts constitutes willful noncompliance, exposing you to damages under 1681n.

Additionally, under Federal Trade Commission v. Equifax Inc., 1:19-cv-03297 ( N.D. Ga. 2019 ) , Equifax admitted to gross negligence in securing consumer data, resulting in identity theft for millions. I am XXXX such victim, and any data obtained from that breach must be presumed compromised. 



ACTION REQUIRED I am demanding the immediate deletion of all fraudulent accounts, inquiries, or derogatory marks that are not authorized by me. I am enclosing : XXXX. A copy of my government-issued ID XXXX. Proof of data breach XXXX. A signed FTC Identity Theft Report 4. 605b Letter You have no legal basis to continue reporting unverified or fraudulent information. If these accounts are not removed within 4 days, I will take legal action under : FCRA 1681n and 1681o ( civil liability ) Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( false representation of debt ) Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Be advised : I am documenting this entire process, and any failure or delay in compliance will be interpreted as willful and malicious disregard for federal consumer protection laws. You are now on notice. 

Sincerely, 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