Consumer complaint received 2025-11-06 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:
Formal Dispute and Demand for Immediate Removal of Fraudulent and Inaccurate Information Resulting from Identity Theft and Violations of Federal and State Laws ; Demand for Reinvestigation and Blocking Under 15 U.S.C. 1681 et seq. ( FCRA ), Including 605B, 611, 615 ( f ), and 623 ( a ) ( 6 ) ; Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) ; Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ; Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5481 et seq. ; Elder Abuse Prevention and Prosecution Act ( EAPPA ), Pub. L. No. 115-70 ; Florida Statutes 825.103 ( Exploitation of an Elderly Person or XXXX Adult ) ; Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., Including 502 ; and CARES Act Amendments to FCRA ( XXXX XXXX  XXXX. XXXX, XXXX ) Dear Sir or Madam : I am writing to formally dispute and demand the immediate removal of multiple fraudulent and inaccurate items appearing on my credit reports, which are the direct result of repeated identity theft and financial exploitation. As a XXXXXXXX XXXX XXXX, I have been victimized by armed robbery and identity theft on multiple occasions since XXXX, including a documented motor vehicle theft on XX/XX/XXXX ( XXXX Police Department Report XXXX XXXX ) , during which my purse containing credit cards, identification, and personal information was stolen. This incident, along with subsequent data breaches involving credit bureaus, has led to unauthorized accounts, inquiries, and collections appearing on my reports. Most recently, on XX/XX/XXXX, I filed an additional police report with the XXXX XXXX Police Department ( Agency Case Number XXXX ) documenting ongoing identity theft, where fraudulent accounts continue to negatively impact my finances and ability to obtain credit, in violation of consumer protections including Section 502 of the GLBA, which prohibits the disclosure of nonpublic personal information without consumer permission. Despite placing fraud alerts with all three major credit bureaus and filing disputes, these items persist, causing severe harm to my financial stability, credit score, and well-being. 
This ongoing inaccuracy constitutes willful and negligent violations of multiple federal and state laws designed to protect consumers, particularly vulnerable elderly individuals like myself, from such exploitation. I demand a full reinvestigation under 15 U.S.C. 1681i ( FCRA procedure for reinvestigation of disputed accuracy ), and the immediate blocking of all disputed information under 15 U.S.C. 1681c-2 ( FCRA blocking of information resulting from identity theft ). Enclosed are copies of my police reports, identity theft affidavits, proof of identity ( including a copy of my driver 's license and Social Security card ), and utility bills verifying my address. These documents satisfy the requirements under FCRA 605B and FACTA for blocking fraudulent information upon submission of an identity theft report. 
Furthermore, any attempts to collect on these fraudulent debts violate the FDCPA, 15 U.S.C. 1692e ( prohibiting false or misleading representations ) and 1692f ( prohibiting unfair practices ), as well as the CFPA, which empowers the Consumer Financial Protection Bureau ( CFPB ) to enforce consumer protections against unfair, deceptive, or abusive acts. As an elderly victim, this exploitation also breaches the EAPPA, which mandates enhanced protections against financial abuse of seniors, and Florida Statutes 825.103, which criminalizes the knowing exploitation of an elderly person 's property through deception or intimidation, with penalties including restitution and enhanced sentencing. Continued reporting of these items without resolution exposes you to liability for actual damages, statutory damages up to {$1000.00} per violation under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), punitive damages, attorney 's fees, and potential class action or regulatory enforcement by the CFPB or Federal Trade Commission ( FTC ). 
The following accounts, inquiries, and items must be immediately investigated, verified as fraudulent, blocked, and permanently deleted from my credit reports. Failure to do so within the 30-day timeframe mandated by FCRA 1681i ( a ) ( 1 ) will be considered a willful violation : Account Name : XXXX Account Number : XXXX Reason : This account was opened fraudulently as a result of identity theft. I did not authorize or apply for this account. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account was opened fraudulently as a result of identity theft. I did not authorize or apply for this account. 
Account Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Reason : This account is inaccurately reported as a repossession and charge-off since XXXX. The vehicle was voluntarily surrendered at the onset of the COVID-19 pandemic under the protections of the CARES Act ( XXXX. XXXX XXXX. XXXX, XXXX ), which amended the FCRA to require furnishers to report accommodated accounts as current if they were not delinquent prior to the accommodation. This surrender was a direct result of economic hardship during the national emergency, and no negative reporting is permitted. Demand immediate correction to reflect as " paid as agreed '' or full deletion. Violations here also breach CFPB guidance on CARES Act credit reporting ( CFPB Policy Statement, XX/XX/XXXX ). 

Unauthorized Inquiries ( Hard Inquiries Must Be Removed Under FCRA 1681b, as They Were Not Permissible ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and stem from identity theft. Remove them immediately, as they are depressing my credit score and violating my rights under FCRA 1681b ( c ) ( consumer 's right to dispute inquiries ). 
I previously filed an identity theft report with the FTC, which was closed without resolution, but my police reports serve as valid identity theft reports under FCRA definitions. I have also disputed these items directly with you without satisfactory results, necessitating this escalated demand. As I am submitting this dispute through the CFPB complaint portal, I expect their oversight to ensure compliance. 
Provide me with updated credit reports confirming the deletions within five business days of completing the reinvestigation, as required by FCRA 1681i ( a ) ( 6 ). If you fail to comply, I will pursue all available remedies, including filing a lawsuit for damages, reporting to regulatory authorities, and seeking intervention from my state attorney general under applicable elder protection laws. This is not negotiableI am entitled to justice as a vulnerable senior who has suffered enough from these criminal acts. 
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