Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Demand for Permanent Deletion of XXXX and XXXX XXXX Accounts To Whom It May Concern, This letter is being submitted as a formal dispute and legal demand under federal consumer protection laws regarding XXXX unauthorized and unlawful accounts being reported on my credit reports : XXXX. XXXX {$1500.00} Status : XXXX I have no knowledge, affiliation, or contract with XXXX for this alleged debt. This account is inaccurate, unauthorized, and appears to be the result of identity theft or data compromise. Its continued reporting by your bureaus violates multiple federal laws, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681b Lack of permissible purpose for accessing or reporting this data.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

15 U.S.C. 6802 ( b ) ( 1 ) Under the XXXX XXXX ( XXXX ), financial institutions must provide a clear and conspicuous disclosure of their privacy policies before sharing consumer information with third parties. No such disclosure was ever provided to me. 
Required Disclosures : Categories of information collected and disclosed ; Categories of affiliates and non-affiliates with whom the information is shared ; The consumer 's right to opt-out, and how to exercise that right. 
Furthermore, you are also in violation of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false. 
GLBA XXXX Failure to protect sensitive personal and financial information. 
18 U.S.C. 1028A Aggravated identity theft in connection with unauthorized use of my personal information.

31 U.S.C. 5318 ( g ) Mandating institutions to monitor and report suspicious fraudulent financial activities. 
XXXX. XXXX  XXXX {$4600.00} I similarly dispute this account in its entirety. I have never opened or authorized a XXXX XXXX account in this amount, nor have I consented to any data sharing or reporting regarding this tradeline. 
Applicable legal violations include : 15 U.S.C. 6802 ( b ) ( 1 ) No privacy disclosure or opt-out provision was ever provided as required under the GLBA. 
Required Disclosures ( again ) : The types of nonpublic personal information collected ; The categories of third parties to whom the information may be disclosed ; A clear explanation of the consumers right to opt-out of sharing.

31 U.S.C. 5118 Requiring lawful money obligations, which includes protecting consumers from unlawful collection or reporting of false financial instruments.

18 U.S.C. 1028A Reporting identity-based information falsely constitutes aggravated identity theft.

UCC Article 9, Part 6 ( 9-601 through 9-628 ) Prohibits unauthorized enforcement of security interests and fraudulent reporting of debts not supported by valid, signed contracts or financing statements.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with the FCRA carries civil and statutory penalties.

My Legal Demands : I am demanding the following corrective actions be taken immediately by all three bureaus : XXXX. Permanent deletion of both the XXXX and XXXX XXXX accounts from my Equifax, Experian, and TransUnion credit reports. 

XXXX. Full investigation under 15 U.S.C. 1681i within 30 days as required by law. 

XXXX. A copy of the method of verification used to insert or continue reporting these accounts. 

XXXX. A full account history audit of when, how, and by whom this information was added or accessed on my file. 

XXXX. Immediate cease and desist from sharing or re-reporting these tradelines without my express written authorization. 

Supporting Documents Available Upon Request : FTC Identity Theft Affidavit Government-issued ID Social Security Card Additional supporting documents, police reports, or fraud alerts if necessary Failure to Comply : If these inaccuracies are not corrected within the XXXX investigation window, I will escalate the matter by : Filing a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX additional complaints with the Federal Trade Commission ( FTC XXXX and State Attorney General 's Office Pursuing civil damages and injunctive relief under FCRA, XXXX, XXXX, and other applicable statutes I expect to receive a response in writing within the statutory timeframe. I reserve all rights to take legal action if these matters are not fully resolved. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) 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