Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
XXXX XXXX  dob XXXX social XXXX XXXX XXXX XXXX XXXX XXXXDate XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Formal Demand for Deletion of Fraudulent Information  Data Breach & FCRA Violations\nTo Whom It May Concern,\nThis is a formal dispute and demand for deletion of fraudulent, inaccurate, and unverifiable information appearing on my credit file as a direct result of your companys data breach and failure to protect consumer information. The Fraudulent accounts are XXXX XXXX XXXX #XXXX opened XXXX XXXX XXXX XXXX #XXXX opened XXXX XXXX XXXX #XXXX opened XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX  #XXXX opened XXXX Bank #XXXX opened XXXX XXXX Bank XXXX #XXXX opened XXXXIt is a matter of public record that Equifax, Experian, and TransUnion have all suffered data breaches, resulting in the exposure of consumers Social Security numbers, addresses, and other sensitive identifiers. My personally identifiable information (PII) was compromised, and as a result, my credit file has been tainted with fraudulent accounts, inquiries, and negative notations that do not belong to me.\nYour continued reporting of this information is a violation of the Fair Credit Reporting Act (FCRA), including but not limited toXXXX  15 U.S.C. 1681e(b): You must follow reasonable procedures to assure maximum possible accuracy. Your failure to safeguard consumer data and your continued reporting of fraudulent accounts is a breach of this duty.XXXX 15 U.S.C. 1681c-2 (605B): You are required to block information resulting from identity theft within 4 business days of receiving notice.XXXX 15 U.S.C. 1681i: You must conduct a reasonable reinvestigation and delete any unverifiable or fraudulent information within 30 days.XXXX  15 U.S.C. 1681n & 1681o: Failure to comply exposes you to liability for actual damages, statutory damages, attorneys fees, and punitive damages.\nTherefore, I DEMAND the following:\n1. Immediate blocking and removal of all fraudulent, unverifiable, and identity theftrelated accounts, inquiries, and derogatory information from my credit file.\n2. A full reinvestigation of the disputed items, with documentation proving their accuracy. If such verification cannot be produced, the items must be deleted immediately.\n3. An updated credit report showing corrections and deletions.\n4. Written confirmation of your compliance with these demands within the time required by law.\nFailure to comply will leave me with no choice but to escalate this matter by:\n* Filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals Office.\n* Initiating civil litigation against your bureau for willful and negligent violations of the FCRA, seeking maximum statutory damages and punitive damages.\nYou have been sued before for your reckless handling of consumer data and your failure to follow FCRA requirements. If you fail to act properly in my case, I will ensure you face the same consequences.\nThis letter serves as your final opportunity to comply before I take further legal action.\nSincerely,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