Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Data Breach & Identity Compromise Affecting Inaccurate Accounts on My Consumer Report To Whom It May Concern, I am writing to you under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, XXXX ( b ), XXXX, the Fair Debt Collection Practices Act ( FDCPA ), and UCC Code XXXX. This letter serves as a formal dispute and notice of potential data breach and identity compromise, regarding the inaccurate and unauthorized accounts listed below. 

These accounts have appeared on my consumer report without my authorization or proper verification, and I am demanding an immediate investigation and permanent removal of the following : DISPUTED ACCOUNTS DUE TO POTENTIAL DATA BREACH XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX XXXX Account XXXX  : XXXX / XXXX Balance : {$5000.00} XXXX Account XXXX XXXX XXXX Balance : {$1300.00} Charge-off XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Balance : {$0.00} Charge-off XXXX Account XXXX XXXX XXXXXXXX Balance : {$250.00} Charge-off XXXX  Account XXXX XXXX XXXXXXXX Balance : {$0.00} Charge-off LEGAL BASIS FOR REMOVAL REQUEST You are hereby notified that under : XXXX U.S.C. XXXX ( a ) ( 2 ) : No permissible purpose exists to report or share information that is fraudulent or the result of identity compromise. 
XXXX U.S.C. XXXX ( b ) : Experian has a legal duty to ensure that all information reported is accurate and verifiable. 
XXXX U.S.C. XXXX ( b ) : Upon notice of dispute, Experian must reinvestigate within 30 days or delete the information. 
XXXX U.S.C. XXXX and XXXX : These accounts are not verified by the reporting agencies nor the collectors and may violate communication and collection rules. 
UCC XXXX : I reserve all rights without prejudice. 
I am demanding the immediate deletion of the above-mentioned accounts from my Experian credit report. If these accounts are the result of identity theft, fraud, or a data breachand you can not verify that I authorized or consented to the debtsyou are legally obligated to remove them.

REQUIRED ACTIONS Reinvestigate each account within 4 days and provide written confirmation of deletion. 
Do not reinsert any removed item without full compliance with FCRA XXXX ( a ) ( XXXX ) ( B ). 
Failure to respond properly will result in formal complaints being filed with the CFPB, FTC, and the Illinois Attorney Generals Office. 
Please mail your written results of the investigation and confirmation of removal to the address listed above. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : 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