Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and identity theft. As such, I am requesting, pursuant to 15 U.S.C 1681c-2 ( a ) of the Fair Credit Reporting Act, that all accounts and information associated with fraudulent activity in my name be permanently deleted and blocked from your records. The accounts in question were not authorized by me, and I did not initiate or participate in any of the transactions associated with them. Therefore, I request that these accounts be removed from any reports you maintain and that they not be resold or otherwise distributed. Thank you for your immediate attention to this matter. Pursuant to The Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ), I am requesting that all information related to the fraudulent accounts listed below be blocked from my credit report and permanently deleted. The law requires that a consumer reporting agency block identity theft-related information from a consumer 's file within four days of receiving the appropriate documentation and proof of identity. A written statement explaining that the information listed above was the result of identity theft and that I did not authorize any of the accounts. Please investigate this matter and block all fraudulent information from my file immediately, as required by federal law. Kindly confirm in writing when the requested action has been completed or if any further information is needed. Thank you for your attention to this matter EXPERIAN XXXX. XXXX XXXX XXXX, TX XXXX Formal Demand to Delete Inaccurate Information - Violation of Federal Law 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681e ( b ) ) To whom it may concern, This letter is a formal notice of dispute regarding inaccurate, incomplete, unverifiable or outdated information. You must provide documentation verifying the accuracy of the information you're reporting. Failure to do so will be deemed your inability to substantiate the account, and it must be permanently deleted. If this information is not removed within 10 days, I will not hesitate to pursue legal action for statutory damages, actual damages, attorney 's fees, and injunctive relief as provided under 15 U.S.C. 1681n and 1681o. You have been officially notified. Govern yourselves accordingly. XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX DATE OPENED 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