Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB )/ To Whom It May Concern, Subject : Formal Dispute and Demand for PERMANENT DELETION of Fraudulent Accounts within Four ( 4 ) Business Days under FCRA ( 15 U.S.C. 1681c-2 ) Identity Theft Victim I am a certified victim of identity theft and file this formal dispute to demand the permanent deletion of all fraudulent accounts listed below. I have attached my official Federal Trade Commission ( FTC ) Identity Theft Report, which constitutes sufficient notice to trigger immediate action.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), the Credit Reporting Agencies ( CRAs ) and all associated furnishers ( including but not limited to XXXX XXXX XXXX XXXX must permanently block or delete this fraudulent information upon receipt of the Identity Theft Report. 

I demand that this fraudulent data be PERMANENTLY DELETED and fully removed from my credit file within four ( 4 ) business days. This is not a request for temporary blocking, but for permanent removal. Failure to permanently delete these entries within the specified four-day period constitutes a direct violation of my consumer rights under 15 U.S.C. 1681c-2 and a failure by furnishers to comply with their duties under 15 U.S.C. 1681s-2 ( b ).

The continued reporting of this inaccurate information also violates the general requirement for accurate reporting under 15 U.S.C. 1681b.

The following accounts must be PERMANENTLY DELETED from my consumer report files maintained by Experian, Equifax, and TransUnion : EXPERIAN ACCOUNTS - PERMANENT DELETION REQUIRED The following seven ( 7 ) primary accounts and two ( 2 ) collection accounts must be permanently deleted from the Experian file : 1. XXXX  XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

2. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

3. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

4. XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

5. XXXX  account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

6. XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

7. XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

8. COLLECTION : XXXX XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

9. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

EQUIFAX ACCOUNTS - PERMANENT DELETION REQUIRED The following five ( 5 ) primary accounts and three ( 3 ) collection accounts must be permanently deleted from the Equifax file : 1. XXXX XXXX XXXX  XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

XXXX. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

3. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

4. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

5. XXXXXXXX XXXX XXXX XXXX  account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

6. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

7. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

8. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

TRANSUNION ACCOUNTS - PERMANENT DELETION REQUIRED The following six ( 6 ) primary accounts and five ( 5 ) collection accounts must be permanently deleted from the TransUnion file : 1. XXXX  XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

2. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

3. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

4. XXXX  account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

5. XXXX XXXX XXXX  account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

6. XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This is fraudulent. 

7. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

8. COLLECTION : XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

9. COLLECTION : XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

10. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

11. COLLECTION : XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX. This must be deleted. 

Final Warning and Legal Recourse The requirement is clear and non-negotiable : As a true victim of identity theft, I did not authorize any of these accounts. I have provided the requisite documentation ( FTC Report ) for deletion. I reiterate the demand for permanent deletion and removal of these fraudulent entries, including all XXXX XXXX XXXX records, within four ( 4 ) business days.

Failure to comply with this demand and the clear mandate of 15 U.S.C. 1681c-2 will be considered willful non-compliance. I reserve all rights to pursue litigation for damages as afforded under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ).

I expect confirmation of the permanent deletion of these accounts.

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