Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CC : Consumer Financial Protection Bureau ( CFPB ) [ Submitted via www.consumerfinance.gov/complaint ] Subject : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT ( Acct. # XXXX ) UNDER PENALTY OF LAW XXXX XXXX and CFPB : This is my final written demand to permanently delete the fraudulent XXXX XXXXXXXX account ( Acct. # XXXX ) and associated hard inquiry from all credit bureaus within 7 days. Your failure to act will result in immediate legal action under : FCRA 616 ( 1, 000 1,0003,500 statutory damages per violation ) XXXX XXXXXXXX ( identity theft penalties ) Maryland Consumer Protection Act ( {$5000.00} statutory damages ) Newly Discovered Violations Fabricated Debt Collection ( 15 U.S.C. 1692e ( 2 ) ) XXXX XXXX is attempting to collect a nonexistent debt tied to an address I never lived at ( XXXX XXXX XXXX ). This violates the FDCPAs prohibition on false representations. 

Willful Non-Compliance with FCRA 623 ( a ) ( 3 ) Despite my affidavit of fraud ( previously provided ), XXXX XXXX failed to notify credit bureaus of the dispute, violating FCRAs fraud investigation requirements. 

Credit Bureau Collusion ( FCRA 611 ( e ) ) XXXXTransUnion verified this account as accurate despite XXXX evidence linking me to it. This suggests systemic negligence post-XXXX breach. 

Irrefutable Evidence of Fraud Address Discrepancy : The account is tied to XXXX XXXX XXXX, XXXX, MD XXXX address I have never lived at ( proof : attached lease agreements, utility bills ). 

No Signed Application : XXXX XXXX can not produce a signed application or IP logs proving I applied for this card. 

XXXX Breach Link : This fraud directly stems from the XXXX XXXX breach ( Case XXXX ), which exposed my SSN and DOB. 

Demands Immediate Deletion : Remove the account and inquiry from all credit bureaus within 7 days. 

Fraud Confirmation Letter : Provide a signed letter confirming the account is fraudulent and deleted.

Cease Collections : Stop reporting this account to any third party, including debt buyers. 

Legal Threats If XXXX XXXXXXXX fails to comply by [ Date 7 Days from Now ] : Lawsuit Filed : I will sue in Maryland District Court for : {$5000.00} in statutory damages under Maryland law. 

Punitive damages for willful non-compliance. 

XXXX Referral : I will submit evidence to the CFPB and FTC for investigation into XXXX XXXX fraudulent reporting practices.

Attorney General Complaint : I will file a complaint with the Maryland AGs Office for violations of state consumer laws. 

Attachments : Affidavit of Fraud ( notarized ) Proof of residency ( XXXX ) XXXX breach settlement notice Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD 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