Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
To Whom It May Concern, This is a final and irrevocable demand for the immediate removal of fraudulent and inaccurate information from my credit report. I am addressing this request to the following credit bureaus : Equifax Experian TransUnion You are hereby instructed to correct these errors within 24 hours. Should you fail to comply with this demand, I will immediately pursue legal recourse and seek the maximum penalties available under the law. 

XXXX XXXX XXXX XXXX Immediate Removal Required I demand the immediate removal of XXXX XXXX XXXX from my credit report. This account was fraudulently re-added without my consent or authorization. Your agency is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all information on a consumers credit report be accurate, complete, and verifiable. If this account is not removed within 24 hours, I will pursue aggressive legal action against your agency for your unlawful conduct. This includes seeking damages for financial harm, emotional distress, and any costs incurred due to your failure to remove this fraudulent account. Additionally, I will seek punitive damages for your agencys reckless disregard for the law. 

XXXX. XXXX XXXX Immediate Removal Required I demand the immediate removal of XXXX XXXX from my credit report. This account is the result of a massive data breach, and I have no connection with this entity. XXXX XXXX has no lawful basis to report this account, and its continued presence on my credit report is a violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ), which mandates the removal of inaccurate and unverifiable information. Failure to comply with this demand within 24 hours will result in immediate legal action. This will include substantial penalties and legal fees for your noncompliance. 

3. Unauthorized Inquiries Immediate Removal Required I demand the immediate removal of all unauthorized inquiries listed on my FTC report. These inquiries were made without my knowledge or consent and violate FCRA 15 U.S.C. 1681c ( a ) ( 3 ). The continued reporting of these inquiries is damaging to my credit score and is in direct violation of the law. If these inquiries are not removed within 24 hours, I will take immediate legal action, including seeking damages for the financial harm caused and filing lawsuits to ensure your agency is held fully accountable. 

4. Fraudulent Addresses Immediate Removal Required I demand the immediate removal of the following fraudulent addresses that have been repeatedly reinserted on my credit report without my consent or authorization. These addresses are NOT mine, and their continued appearance on my credit report is an outrageous violation of my rights under FCRA 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are fraudulent and do not belong to me. They are being reinserted illegally, and this is a direct violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ). If these fraudulent addresses are not removed immediately and are not reinserted in the future, I will take immediate legal action, including seeking damages, filing complaints with every relevant agency, and pursuing punitive penalties for the continued unlawful actions of your agency. 

Failure to Act Legal and Financial Consequences If you fail to comply with this demand, I will : File lawsuits seeking compensation for all damages, including punitive damages, attorneys fees, and other financial relief for your failure to correct these inaccuracies. 
Seek an injunction to prevent further illegal reporting and request the full removal of all fraudulent entries from my credit report. 
Pursue criminal charges for fraudulent reporting if applicable, under the provisions of the FCRA and state laws. 
File formal complaints with every available regulatory agency, including the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), leading to increased investigations and possible enforcement actions against your agency. 

Your failure to act within 24 hours will leave me no choice but to pursue all available legal channels to hold your agency responsible for fraudulent activity, reckless disregard for consumer rights, and failure to comply with federal law. This is your final notice to rectify this issue. Do not attempt to stall or delay, as your failure to comply will only escalate the consequences. 

Sincerely, 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