Consumer complaint received 2025-11-25 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:
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 15 U.S.C. 1681e ( b ), I am a victim of identity theft and hereby demand the immediate blocking and permanent deletion of the below-listed fraudulent accounts and any associated inquiries that continue to appear on my consumer report. 
Enclosed with this complaint ( and previously submitted multiple times via certified mail ) are : FTC Identity Theft Report # XXXX ( dated XX/XX/2025 ) a valid identity theft report under 15 U.S.C. 1681c-2 ( h ) ( 1 ) My signed affidavit made under penalty of perjury declaring these accounts are the result of identity theft You are legally required under 15 U.S.C. 1681c-2 ( a ) to block the reporting of ANY information I identify as resulting from identity theft within FOUR ( 4 ) BUSINESS DAYS of receipt of : ( 1 ) a valid identity theft report, ( 2 ) my identification, and ( 3 ) my statement that the information does not relate to any transaction I conducted. 
I have satisfied ALL of these requirements repeatedly. Your continued refusal or failure to block these items constitutes willful noncompliance with the Fair Credit Reporting Act and exposes your agency to actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and my attorneys fees under 15 U.S.C. 1681n and 1681o. 
The following accounts are 100 % fraudulent, were opened by an identity thief, and MUST BE BLOCKED AND PERMANENTLY DELETED IMMEDIATELY : XXXX XXXX XXXX Account # XXXX Fraudulent balance {$3600.00} XXXX XXXX XXXX Account # XXXX Fraudulent balance {$1700.00} XXXX XXXX XXXX Account # XXXX Fraudulent balance {$760.00} XXXX XXXX XXXX Account # XXXX Fraudulent balance {$2400.00} XXXX XXXX XXXX Account # XXXX Fraudulent balance {$10000.00} ANY hard inquiries associated with the above fraudulent accounts must also be blocked and deleted. 
Your prior refusals to block these items despite receiving my FTC report, police report, and affidavit are indefensible and appear to be deliberate policy to avoid blocking legitimate identity-theft claims. This conduct is not only unlawful, it is causing me severe ongoing harm : denials of credit, higher interest rates, emotional distress, and damage to my financial reputation. 
IMMEDIATE ACTION REQUIRED ( within 4 business days of receipt ) : Permanently BLOCK the above items from ever reappearing on my credit report ( 15 U.S.C. 1681c-2 ).

Send me written confirmation that each item has been blocked and will never be reinserted.

Notify the furnishers that these tradelines have been blocked due to identity theft ( as required by 1681c-2 ( d ) ).

Failure to comply with this statutory mandate will leave me no choice but to pursue all available remedies, including but not limited to : Filing suit in federal court for willful and/or negligent noncompliance ( 15 U.S.C. 1681n, 1681o ) Seeking statutory, actual, and punitive damages plus attorney fees Reporting your systemic refusal to honor 1681c-2 to the Consumer Financial Protection Bureau and the Federal Trade Commission for investigation This is not a request this is a statutory demand under federal law. Act immediately.

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