Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my final formal dispute of the inaccurate and unverifiable information currently appearing on my credit reports with Experian , XXXX XXXX XXXX. You have been repeatedly notified of these inaccuracies, yet the violations persist. Your agencies have violated the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent or inaccurate information without conducting a legitimate investigation as mandated by law. I am demanding the immediate deletion of the accounts and inquiries listed below and if you fail to comply within the legal timeframe, I will pursue damages to the fullest extent allowable under federal law, including statutory, actual, and punitive damages. Here are the Accounts Demanded for Immediate Deletion : XXXX : XXXX ( XXXX Experian , XXXX  ), XXXX : XXXXXXXX XXXX XXXX, Experian , XXXX XXXX XXXX XXXXXXXX XXXX ( Experian 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, Experian )XXXX XXXX XXXX XXXX XXXX XXXX Experian , XXXX XXXX XXXX XXXX XXXX  ( Experian ONLY ). Please delete these Inquiries : XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XXXX from ( Experian ) XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from Experian XXXXXXXX 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 from ( Experian ) XXXXXXXX XXXX XXXX XXXX on XXXX from ( Experian ) XXXX on XXXX from XXXX XXXX XXXX. FCRA Violations You Are Now Responsible For : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate disputes. 15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum accuracy. 15 U.S.C. 1681c-2 : Failure to block fraudulent or unauthorized data upon receipt of an ID theft report. 15 U.S.C. 1681b ( f ) : Reporting or accessing information without permissible purpose. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to report information you know is inaccurate. 15 U.S.C. 1681n and 1681o : Entitles me to actual, statutory, and punitive damages for willful or negligent noncompliance. CFPB Lawsuit Against Experian Relevant and Applicable The Consumer Financial Protection Bureau ( CFPB ) has already prosecuted Experian for sham investigations and blatant violations of consumer rights. XXXX XXXX XXXX stated : Experian committed serious violations that harmed consumers by ignoring its legal responsibilities to investigate and correct errors. Source : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors You are now on notice that you are exhibiting similar misconduct. Immediate Action Demanded : Permanently delete all the accounts and inquiries listed above from all credit reports. Provide written confirmation that the deletions have been completed. Send updated credit reports reflecting these corrections within 30 days of receipt of this letter. If you fail to comply, I will seek full legal damages including : {$1000.00} per FCRA violation ( 15 U.S.C. 1681n ) Actual damages for emotional distress, credit denial, and financial harm Punitive damages for willful misconduct Attorneys fees and court costs This is your final opportunity to comply and avoid costly litigation.

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