Consumer complaint received 2025-05-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian Dispute Department, All the accounts are the result oXXXX XXXX XXXX XXXXnd identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from the US Federal Trade Commission that all the consumer account, are the result of Human Trafficking identity theft and fraud. 

Be advised that I have submitted complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General 's Office, and the XXXX XXXX XXXX XXXXegarding this matter. TransUnion to block this fraudulent information appearing on my consumer credit report within four ( 4 ) business days of receiving this complaint. 

If these accounts are not removed, or if I do not receive a proper investigation outcome and documentation within 4 business days, I will pursue legal remedies including but not limited to : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Financial Injury 5. Penalty of Perjury 6. Violations of 15 U.S.C. 1692g, 1692a 7. Violation of Permissible Purpose ( 15 U.S.C. 1681b ) 8. Misleading and False Reporting ( 15 U.S.C. 1681s-2 ( b ) ) Lastly, per 15 U.S.C. 1681i ( a ) ( S ) ( B ), you are required to notify me of any reinsertion of previously deleted data, and this must be done within five ( 5 ) business days in writing or another method I have approved.

In Addition, this letter is formally written by myself, XXXX XXXX XXXX, and not by a third party or representative. 

The following accounts are fraudulent and inaccurate : 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : XXXX. XXXX XXXX XXXX XXXX, Ca XXXX I formally request, that Experian block all the fraudulent accounts, identified above from my consumer credit file within four ( 4 ) business days of receipt of this letter and Enclosed Supporting Documents Copy of my government-issued Passport Copy of a recent utility bill for address verification FTC Identity Theft Affidavit Copy of the CFPB Complaint California Attorney General Complaint NGO Letter I request written confirmation of the removal and blocking of these accounts and inquiries within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Experian. 
My residential address is XXXX XXXX XXXX XXXX, CA XXXX My Social Security XXXX is XXXX My Date of Birth is XX/XX/XXXX My email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief. 

I submit this Affidavit identity to establish my identity and to further support my formal dispute of the unlawful reinsertion of inaccurate information on my credit report.

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