Consumer complaint received 2026-05-19 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: FL

Complaint narrative:
FCRA 605B, 611, and 1681i Formal Legal Notice and Demand for Immediate Deletion, Verification Proof, and Suppression of Fraudulent Account You are hereby formally notified, under federal law, of a fraudulent account being reported on my credit file. This is not a request. This is a legal demand for immediate action under the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 605B, you are legally obligated to block and remove this account within four ( 4 ) business days of receiving this notice. Failure to comply would constitute a direct violation of federal lawnot a discretionary oversight. This account is not only inaccurateit is fraudulent, and your continued reporting of it constitutes a deliberate violation of your duty to report only accurate, verified data. Under FCRA 611 and 1681i, any attempt to verify this account must be supported by formal, sworn documentationsigned, dated, and originating from the original creditor. Internal notes or unverifiable data will be treated as an outright violation of FCRA obligations. Reproducing unverifiable data does not constitute verificationit is a violation of your obligations under FCRA 1681i ( a ) ( 1 ) ( A ) and 611, which require you to conduct a reasonable reinvestigation and ensure the accuracy of information. If you fail to act within the required timeframe, I will proceed with formal complaints to the CFPB, FTC, and my state Attorney General, and I am fully prepared to pursue legal litigation in U.S. federal court for willful noncompliance and statutory damages. You are on notice. Govern yourself accordingly. FCRA 605B Mandatory Blocking of Fraudulent Account Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), once I have notified you that this account is fraudulent, you are legally required to block all reporting of the account within four ( 4 ) business days of receiving that notice. You are also required to notify the furnisherwhether the original creditor or any third-party agencythat the account has been identified as fraudulent and must no longer be reported. This mandate is clearly outlined under 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( 3 ). Failure to comply constitutes a direct violation of federal law and exposes your agency to liability for damages under 15 U.S.C. 1681n ( FCRA 616 ) for willful noncompliance and 15 U.S.C. 1681o ( FCRA 617 ) for negligent noncompliance. Legal Precedents Holding You Accountable Credit reporting agencies are not above the law. You are held to strict legal standards under the Fair Credit Reporting Act ( FCRA ) and relevant case law, and failure to comply results in direct liability. The following binding legal precedents make your responsibilities clear : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must perform a reasonable reinvestigation of disputed accounts pursuant to 15 U.S.C. 1681i ( a ). Relying on surface-level confirmations or form responses is not sufficient. XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) : A credit bureau can not rely solely on the furnishers input. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), it has an independent duty to verify disputed information. XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failing to investigate disputed data constitutes a violation of FCRA 1681i, making the agency liable for damages under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). In addition, under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2 ( a ), you are legally required to block and permanently remove the fraudulent account once it has been reported by the consumer. Failure to investigate or remove the account will be interpreted as willful noncompliance and reckless disregard of federal law. I will not hesitate to escalate this to federal authorities, including the CFPB, FTC, and U.S. District Court. I have submitted sufficient documentation proving that I did not open or authorize this account, including : 1. A copy of my government-issued ID 2. A copy of my Social Security card 3. A recent utility bill or bank statement confirming my identity and address 4. ( If applicable ) A police report and/or an FTC Identity Theft Affidavit This account is fraudulent and must be immediately deleted under 15 U.S.C. 1681c-2 ( a ) ( 1 ). FCRA 611 Formal Demand for Method of Verification & Prohibition of Conflicted Data Sources If you choose to verify this account instead of blocking and deleting it under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am formally invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ) and demand the following non-negotiable documentation : 1. A written, detailed explanation of your verification process. Verified is not a legally sufficient response under 15 U.S.C. 1681i ( a ) ( 7 ), which grants me the right to request and receive a description of the procedure used to determine the accuracy of disputed information. 2. The full name, title, and contact information of every individual involved in the reinvestigation, as required for transparency under 15 U.S.C. 1681i ( a ) ( 2 ) ( B ). 3. A certified copy of the original wet-ink signed contract allegedly executed by me. Electronic or digital signatures will not be accepted unless accompanied by IP address, geolocation data, and device fingerprinting, as required for verifiable authentication under federal evidentiary standards. 4. Complete copies of all internal notes, system records, and communications related to this account, including all exchanges between your agency and the furnisher, pursuant to your duty to maintain reasonable procedures under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 5. A sworn affidavit, signed under penalty of perjury by a representative of your agency, confirming that : The account is accurate, and The verification process fully complied with FCRA 1681i ( a ) ( 1 ) ( A ). 6. Proof that the account was verified by an independent third-party source, with all documentation originating directly from the original creditor. Verification from a subsidiary, affiliate, or data furnisher owned or controlled by your agency is not acceptable and violates the independence requirement under 15 U.S.C. 1681i ( a ). 7. If the furnisher claims to possess a signed fraud affidavit or any documentation asserting I opened this account, I demand an exact copy. Failure to provide such documentation will be treated as a formal admission that no such evidence exists, and any continued reporting will constitute a willful violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), subject to civil liability under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). Prohibition of Conflicted Data Sources I hereby demand that you DO NOT use any of the following credit bureau-owned or affiliated data furnishers to verify this account. These entities are subsidiaries, affiliates, or financially connected data providers that operate under the control or influence of the major credit bureaus, including XXXX XXXX, and Experian. The following data providers are strictly prohibited from being used in any part of the reinvestigation or verification process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian RentBureau, Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( a third-party aggregator with a history of inaccurate consumer reporting ) Additional prohibited entities : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You must explicitly certify that all verification procedures are conducted using independent, unaffiliated sources. Any reliance on the entities listed above will constitute a willful violation of FCRA 611 ( a ) ( 1 ) ( A ), as it fails to meet the legal requirement for an independent reinvestigation and creates a clear conflict of interest. Such actions represent a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and will be treated accordinglyincluding potential civil liability under 15 U.S.C. 1681n and 1681o. FCRA 1681i ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 3 ), & 1681e ( b ) Demand for Immediate Temporary Suppression of Disputed Account Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 3 ), I hereby demand the immediate suppression and removal of this disputed account from my credit file for the duration of the reinvestigation process. This suppression is mandatory under federal law and is not subject to discretion, delay, or internal interpretation. 1. Immediate Removal During Reinvestigation All reporting of this disputed account must be temporarily removed from my credit file until the reinvestigation is complete, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 2. Elimination of Negative Remarks Any associated balances, charge-offs, delinquencies, or derogatory notations must be fully suppressed without exception during the pendency of this dispute. Continued negative reporting during an active reinvestigation process is a direct violation of federal law. 3. Exclusion from Credit Scoring Models This account must be excluded from all credit scoring algorithms, underwriting models, and lending decisions until the account is verified in accordance with federal law. Factoring disputed data into any scoring model violates FCRA 1681e ( b ), which requires the reporting of only accurate and verifiable information. Failure to Comply Constitutes Willful Noncompliance Should you fail to suppress this account during reinvestigation, it will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o, both of which carry statutory penalties, including civil damages, legal fees, and punitive sanctions. Criminal Liability for Willful Misreporting Under 15 U.S.C. 1681q, the willful inclusion of false or inaccurate information in a consumer report is a federal crime, punishable by fines and imprisonment. If this fraudulent account remains on my credit file during the dispute process, your agency may be subject to criminal liability. Notice of Escalation If this account is not immediately suppressed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and, if necessary, initiate formal litigation in United States Federal Court for violations of the Fair Credit Reporting Act ( FCRA ) and related statutes. FTC Identity Theft Affidavit & Supporting Documentation Submitted Pursuant to 15 U.S.C. 1681c-2 ( b ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ( b ) ), I have enclosed all required documentation to substantiate the fraudulent nature of the account ( s ) in question. This includes : A completed and signed FTC Identity Theft Affidavit, attesting under penalty of perjury that I did not open or authorize the fraudulent account ( s ) ; A clear copy of my government-issued photo identification ; A copy of my Social Security card ; A recent utility bill or bank statement verifying my identity and current address ; ( If applicable ) A police report or law enforcement incident report documenting the identity theft. MANDATORY VERIFICATION REQUIREMENT : You are hereby instructed to independently verify my FTC Identity Theft Affidavit by contacting the Federal Trade Commission ( FTC ) directly. This verification must be conducted by a human agent, not an automated system, internal record check, or affiliated data source. You are legally required to provide the following as documented proof of this verification : 1. The full name, title, and department of the FTC representative with whom the affidavit was verified ; 2. The FTC report reference number, case ID, or confirmation number used to conduct the verification ; 1. The date and time of the verification call or correspondence ; 2. A notarized declaration or signed written statement, on your agencys official letterhead, attesting under penalty of perjury that : You conducted a real-time verification of my FTC affidavit with an authorized FTC representative ; The affidavit was accepted as valid and sufficient to invoke protection under FCRA 605B ; The representative confirmed the affidavits authenticity, along with the official reference or case number. Failure to perform this verification, or to provide unequivocal proof that such verification occurred, will be deemed a willful violation of 15 U.S.C. 1681c-2 ( a ) ( 1 ) and 1681i ( a ) ( 1 ) ( A ). Such noncompliance will immediately trigger civil litigation, regulatory complaints, and escalation to federal authorities, as outlined in the following section. Final Legal Demand Under 15 U.S.C. 1681c-2 No Further Notice Will Be Provided This correspondence serves as my first and final formal notice under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now legally required to block and permanently remove all references to the fraudulent account ( s ) listed in this letter within four ( 4 ) business days of receiving this notice. This is a federal obligation, not a request, and failure to comply in full will activate immediate legal escalation. Should you fail to block this fraudulent data or verify it through impermissible means, your agency will be held liable for the following : 1. Civil Liability in Federal Court : Under 15 U.S.C. 1681n, willful noncompliance with the FCRA subjects you to : Statutory damages of up to {$1000.00} per violation Actual damages for all harm caused, including credit denials, reputational injury, and emotional distress Punitive damages for reckless or intentional misconduct Attorneys fees and full court costs Additionally, under 15 U.S.C. 1681o, negligent noncompliance exposes you to direct liability for any harm resulting from your failure to act in accordance with federal law. 2. Regulatory Escalation : If you fail to act, I will immediately file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX XXXX XXXX My State Attorney Generals Office These complaints will include complete documentation proving the fraudulent nature of the account, and a detailed report of your failure to fulfill federal compliance obligations. 3. Criminal Exposure : Under 15 U.S.C. 1681q, knowingly furnishing false or inaccurate information in a consumer report is a federal crime. If this account remains on my credit file beyond the mandated timeframe, or if you verify it using unqualified, affiliated, or unverifiable sources, your agency may be exposed to criminal liability, punishable by fines and imprisonment. Let me be clear : You are now in legal receipt of this demand and are fully accountable under federal law. No further warnings will be issued. I am prepared to initiate legal action in U.S. District Court immediately and will pursue the maximum statutory remedies available under the law. You are instructed to block, delete, and permanently suppress the fraudulent account ( s ) named in this letter within four ( 4 ) business days, pursuant to FCRA 605B / 15 U.S.C. 1681c-2. Full compliance is mandatory and non-negotiable. Comply immediatelythis is your legal obligation.

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