Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
b'I am writing to request the immediate blocking and deletion of certain fraudulent accounts from my credit report,\n pursuant to my rights under federal law as a victim of identity theft and due to the data breach suffered by XXXX  in\n XXXX. As a result of this data breach, unauthorized individuals gained access to my personal information, including my\n Social Security number, date of birth, and other sensitive data.  \XXXX  Data Breach Background: In XXXX XXXX XXXX announced a data breach that exposed the personal\n information of over 147 XXXX  people, including names, Social Security numbers, birth dates, addresses, and in some\n cases, drivers license numbers and credit card details. The breach was a direct violation of the companys duty to\n protect the personal information of consumers and subjected XXXX  of individuals, including myself, to the risk of\n identity theft. \nAs a result of this breach, I have been a victim of identity theft, with fraudulent accounts being opened in my name\n without my consent. Under 15 U.S. Code  1681c-2(a) of the Fair Credit Reporting Act (FCRA), I am entitled to have\n these fraudulent items blocked from my credit report.  \nApplicable Law: 15 U.S. Code  1681c-2(a) According to this law, a consumer reporting agency such as XXXX  is\n required to block the reporting of any information in a consumers credit file that the consumer identifies as a result of\n identity theft, provided the consumer submits:  \n1. Proof of identity \n 2. A copy of an identity theft report;  \n3. Identification of the fraudulent information; \n 4. A statement that the information is not related to any transaction by consumer. Proof of identity; A copy of an\n identity theft report; Identification of the fraudulent information; and the compliance with this legal requirement, I am\n providing:     fraudulent proof of my identity (enclosed). A \ncopy of my identity theft report (enclosed). A list of the fraudulent accounts (provided below). A statement affirming that\n these accounts were not authorized by me and are The following accounts were opened without my consent and must\n be blocked and permanently deleted from my credit report\n :  15 U.S. Code  1681c-2(a)  Obligation to Remove Fraudulent Information   15 U.S. Code \n 1681s-2(a)(6)  Duty to Block Identity Theft-Related Information   15 U.S. Code  1681e(b)  Duty\n to Maintain Maximum Accuracy  \n 15 U.S. Code  1681i(a)(1)(A)  Requirement for a Reasonable Investigation   15 U.S. Code\n 1681c(a)  Prohibition on Reporting Obsolete Information \n  15 U.S. Code  1681g(a)  Right to Clear and Accurate Information \n  15 U.S. Code  6801  Protection of Nonpublic Personal Information \n  15 U.S. Code  6802  Restrictions on Disclosure of Consumer Information  \n 15 U.S. Code  1692  Fair Debt Collection Practices Act (FDCPA)  Prohibition of Unfair and Deceptive\n Practices  \nFurthermore, my personal identifying information was compromised in the XXXX XXXX  Data Breach, which exposed\n XXXX  of XXXX  to fraud due to XXXX  gross negligence. As a result, fraudulent accounts have been\n unlawfully reported in my name.  \nAdditionally, Experian and XXXX  are currently facing lawsuits by the CFPB for failing to properly investigate\n consumer disputes. Given this legal precedent, I demand that my dispute be handled with heightened scrutiny and\n NOT be processed through the flawed e-OSCAR system. You are legally required to conduct a manual, thorough\n reinvestigation in compliance with FCRA  1681i(a)(1)(A) and FACTA  312. \n1. The following personal information is incorrect\n    Previous Address(es): XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXn 2. The following personal information is incorrect\n    Previous Address(es)XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXn 3. Pursuant to 15 USC 1681a(3) this account is in violation of identity theft and fraud my identifying information was\n given to another person without my consent. This is not mine\n XXXX XXXX\n    Account Number: XXXXn    Please remove it from my credit report.\n REQUESTED ACTIONS \nImmediately remove all fraudulent accounts and unauthorized hard inquiries. Provide written confirmation of the\n deletions. Send me an updated copy of my credit report reflecting the corrected information.  \nCEASE AND DESIST NOTICE \nThis letter serves as a formal demand that Experian, XXXX, and all involved furnishers immediately cease and desist\n from: Reporting fraudulent accounts and inquiries Using e-OSCAR or other automated systems to process my disputes\n Providing false and misleading information to third parties If this illegal activity continues, I will pursue full legal action\n under 15 U.S. Code  1681n and  1681o for willful and negligent non-compliance with the FCRA.  \nAFFIDAVIT OF TRUTH I, XXXX XXXX  , under penalty of perjury, affirm the following: 1. I did not authorize or\n open the fraudulent accounts listed above. \n 2. The unauthorized hard inquiries listed above were not initiated by me.  \n3. My personal information was compromised in the XXXX XXXX Data Breach 4. The presence of these accounts is\n damaging my financial well-being and ability to obtain credit. 5. I demand immediate compliance with 15 U.S. Code \n 1681c-2(a),  6801,  6802, and  1692.  FINAL NOTICE & LEGAL CONSEQUENCES \nYou are required to confirm receipt of this letter and provide a response within 15 days. Failure to comply will result in\n formal complaints being filed with the CFPB, FTC, Attorney Generals Office, and a civil lawsuit for FCRA violations,\n damages, and attorneys fees. \nSincerely,\n XXXX XXXX  \n_____________________________________ \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX'

Company response to consumer: Closed with explanation