Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Final Demand to Remove Fraudulent Accounts Listed in FTC Report To Whom It XXXXay Concern : I am writing this letter to express my utter frustration and anger at your blatant disregard for the law and my rights as a consumer. Over one month ago, I submitted an FTC Identity Theft Report to your offices, along with all supporting documentation, demanding the immediate removal of fraudulent and inaccurate accounts from my credit report. To date, you have failed to act.

This inaction is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies to block fraudulent information upon receipt of an FTC Identity Theft Report. Additionally, under FCRA 1681e ( b ), you are legally obligated to ensure the accuracy of the information you report. By continuing to report these fraudulent accounts, you are willfully disregarding your legal obligations and causing significant harm to me and my family.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer.

Your failure to act has placed an undue burden on my life and my familys well-being. These fraudulent accounts have caused me undue stress, denied us financial opportunities, and impacted our ability to secure basic necessities. This is unacceptable. 
My Demands : XXXX. Immediate Removal : You must remove all fraudulent accounts listed in my FTC report from my credit file within four ( 4 ) days of receiving this letter. 
XXXX. Written Confirmation : Provide written confirmation of these removals. 
Failure to comply with these demands will leave me no choice but to escalate this matter further. This will include : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action to enforce my rights under the FCRA, at which point you will be liable for statutory damages of {$1000.00} per violation, as well as punitive damages, attorney fees, and any additional costs. 
Your failure to address this matter promptly reflects a complete disregard for the very laws that govern your industry. I demand immediate action to rectify this situation. 
Sincerely, XXXX XXXX Fraudulent Accounts XXXX XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX XXXX XXXX XXXX with account number : XXXXXXXX XXXX XXXX XXXX  with account number : XXXX XXXX  with account number : XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX, KY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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