Consumer complaint received 2025-10-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian RE : Formal Demand for Immediate Deletion of Identity Theft Accounts and Inquiries Pursuant to 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as my final formal demand for immediate deletion of fraudulent accounts and inquiries appearing on my credit report. I have been in continuous contact with your agency and other credit reporting entities regarding identity theft for several years. During this time, I have provided police reports, identity theft affidavits, supporting documentation, and repeated written communications verifying that I am a victim of identity theft, and that the following accounts and inquiries are not mine. 

Despite this, these fraudulent items remain on my credit file, continuing to cause harm to my financial reputation and peace of mind. Pursuant to 15 U.S.C. 1681c-2 ( a ), once a consumer submits a valid Identity Theft Report, the consumer reporting agency must block and delete all information resulting from the theft within four ( 4 ) business days of receiving such documentation. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and exposes TransUnion to liability for actual, statutory, and punitive damages under 15 U.S.C. 1681n and 1681o.

Fraudulent Accounts and Items to Be Deleted Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Unauthorized Inquiries to Be Removed Creditor Name Inquiry Date Removal Date XXXX XXXX XXXX XXXX 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 EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not affiliated with me. Their continued presence on my file is proof of insufficient investigation and data protection failures. 

Legal Notice and Deadline I am hereby demanding the immediate removal and permanent blocking of the above fraudulent accounts, inquiries, and addresses within four ( 4 ) business days from receipt of this letter.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I will also pursue all available civil remedies for damages caused by XXXX ongoing failure to correct and safeguard my credit information. 

Please provide written confirmation that these deletions have been completed. 
Sincerely, 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