Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ca, XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : FORMAL COMPLAINT AND DEMAND FOR DELETION OF UNAUTHORIZED ACCOUNTS UNDER FCRA IDENTITY FRAUD / DATA BREACH CLAIM To Whom It May Concern : I, XXXX XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., hereby submit this formal complaint and legal demand for the immediate deletion of two unauthorized and erroneous accounts currently reported under my consumer credit file. 

XXXX. STATEMENT OF FACTS I am the lawful consumer to whom the following credit file pertains. Upon recent review of my credit reports maintained by your agency, I identified the existence of two ( 2 ) unauthorized tradelines associated with XXXX XXXX XXXX, which I did not open, authorize, or have any contractual relationship with. The disputed accounts are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Creditor Name : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX XXXX These accounts appear to be the result of either : ( a ) a compromise of my personally identifiable information due to a third-party data breach, or ( b ) an instance of identity theft under federal law, as defined in 18 U.S.C. 1028 and the Identity Theft and Assumption Deterrence Act of 1998. 

2. LEGAL BASIS FOR RELIEF Under the FCRA, I am afforded the right to dispute any inaccurate, incomplete, or unverifiable information reported about me by a consumer reporting agency. The following statutory provisions apply : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon notification of a dispute, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the information. 

15 U.S.C. 1681e ( b ) : A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c-2 : Upon receipt of an identity theft report, the agency must block the reporting of any information that the consumer identifies as resulting from identity theft, within four business days of receipt. 

3. FORMAL DEMAND FOR DELETION Accordingly, I hereby demand the following : That your agency conduct a reinvestigation of the above-listed accounts under 15 U.S.C. 1681i, and determine their unverifiability. 

That, should the accounts be determined to be inaccurate, unverifiable, or fraudulent, you permanently delete them from all versions of my credit report within the statutory 30-day period. 

That I be provided with a written notice of the results of your reinvestigation, including a copy of my updated credit file, in compliance with 15

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