Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sent via Certified Mail ( Return Receipt Requested ) To : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE DEMAND FOR PERMANENT REMOVAL OF FRAUDULENT ACCOUNTS & INQUIRIES UNDER FEDERAL LAW Social Security XXXX Dear Experian I am writing to formally dispute and demand the permanent removal of fraudulent accounts and unauthorized hard inquiries from my credit report. These items were not authorized by me and are the result of identity theft. Their continued presence violates the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and 15 U.S. Code 1681s-2.

1. Removal of Fraudulent Accounts ( Identity Theft ) The
following accounts were fraudulently opened in my name without my authorization. Under 15 U.S.C. 1681c-2, I demand their immediate and permanent removal : Creditor Name : XXXX  XXXX. 
Account XXXX : XXXX  Recent Balance : {$270.00} ( as of XX/XX/XXXX ) Status : Account charged off. {$270.00} written off. 
XXXX XXXX : XXXX XXXX. 
Account XXXX : XXXX Recent Balance : {$200.00} ( as of XX/XX/XXXX ) Status : Account charged off. {$200.00} written off. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Recent Balance : {$15000.00} ( as of XX/XX/XXXX ) Status : Account charged off. {$15000.00} written off. 
I have attached a police report and an FTC Identity Theft Affidavit as proof that these accounts were not authorized by me.

Under 15 U.S.C. 1681c-2, you are required by law to block this information permanently from my credit report. If you reinsert this information without new and verified proof, it will be considered a willful violation of federal law, and I will be forced to take legal action.

2. Removal of Unauthorized Hard Inquiries The following hard inquiries were made without my authorization and must be deleted immediately under 15 U.S.C. 1681b : 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge or consent, violating FCRA 604. If these inquiries are not removed within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider filing a lawsuit for damages under 15 U.S.C. 1681n ( which allows me to recover up to {$1000.00} per violation ).

3. Legal Deadlines for Response I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must conduct an investigation and remove unverified information within 30 days.

15 U.S.C. 1681c-2 ( a ) : You must block fraudulent accounts immediately upon receiving proof of identity theft.

15 U.S.C. 1681s-2 ( b ) : Creditors must conduct a reasonable investigation and delete unverifiable accounts within 30 days.

CFPB Rule : If you fail to respond within 5 days of receiving proof of identity theft, you are violating federal regulations.

4. Failure to Comply Will Result in Legal Action If these fraudulent accounts and hard inquiries are not permanently removed from my credit file within the legal time frame : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

I will pursue legal acti
on against your company for violating FCRA and FACTA, seeking damages of up to {$1000.00} per violation, plus legal fees.

5. Final Demand I expect a response in writing confirming the permanent deletion of these fraudulent accounts and unauthorized inquiries within 30 days. Please send your response to my mailing address listed above. 

Enclosures ( Attach these with the letter ) : Copy of Police Report FTC Identity Theft Affidavit ( File here ) Copy of Drivers License / ID Copy of Utility Bill / Proof of Address I appreciate your prompt attention to this matter. 
Sincerely, 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