Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail and Email XXXXXXXX XXXX XXXX XXXXXXXX Fraud Department Attention Supervisor XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute Request for Immediate Deletion of Fraudulent Accounts and Inquiries RE : Formal Demand to Cease and Desist Reporting of Fraudulent Activity Under FCRA and FDCPA To Whom It May Concern : I, XXXX XXXX, am writing to formally dispute the presence of fraudulent, inaccurate, and unauthorized account information and credit inquiries currently reported on my Equifax credit file. This correspondence serves as both a Notice of Identity Theft and a Demand for Immediate Deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other applicable federal and state laws.

IDENTITY THEFT REPORT AND NOTICE OF DISPUTE I have submitted a formal Identity Theft Report to the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ). The following accounts and inquiries were not authorized, opened, or acknowledged by me and are the direct result of identity theft : FRAUDULENT ACCOUNTS TO BE REMOVED : 1. CXXXX XXXX XXXX Account No. : XXXX Reported Balance : {$6000.00} Opened : XX/XX/XXXX XXXX XXXX : {$140.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Reported Balance : {$24000.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Opened : XX/XX/XXXX Reported Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2500.00} XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$37000.00} XXXX. XXXX  XXXX XXXX XXXX Account No. : XXXX Reported XXXX : {$920.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$510.00} FRAUDULENT CREDIT INQUIRIES TO BE REMOVED : XXXX. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, MO XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX of Inquiry : XX/XX/XXXX FACTUAL AND LEGAL GROUNDS FOR REMOVAL : 1. The named creditors have confirmed they possess no valid contract, application, or signed agreement connecting me to these accounts.

2. There exists no chain of custody, assignment, or transactional documentation linking me to any financial obligation with these institutions.

3. There is no verified identification, IP login, or authenticated identity process tying these accounts or inquiries to me.

4. These accounts were opened without my knowledge or authorization, violating my rights under federal consumer protection laws. 



RELEVANT CASE LAW SUPPORTING REMOVAL ( XXXX  ONLY ) : 1. Drew v. Equifax Info. Servs., LLC , 690 F.3d 1100 ( 9th Cir. 2012 ) The court ruled that Equifax failed to reasonably investigate a dispute under 15 U.S.C. 1681i ( a ), and allowed false information to remain on the report, causing damage. This case reaffirms Equifaxs duty to remove inaccurate or unverified data when notified by the consumer.

2. Burke v. Equifax Info. Servs., LLC , 2018 WL 6330544 ( E.D . Va. Dec. 3, 2018 ) Equifax was found liable for failing to reinvestigate and correct disputed information, including accounts the plaintiff denied ever opening. The court ruled that Equifax had no excuse for continued reporting without evidence of accuracy, and the plaintiff was awarded damages for reputational harm.

DEMAND FOR ACTION Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reason to believe is inaccurate. Continued reporting of the fraudulent accounts and inquiries listed above constitutes a willful violation of federal law.

Accordingly, I demand that Equifax : 1. Cease and desist from reporting, verifying, or sharing any of the listed accounts and inquiries.

2. Delete all traces of these fraudulent items from my credit file.

3. Block further sharing of any data associated with these entries unless permitted in writing.

4. Inform all furnishers and bureaus of the deletion and correction.

5. Confirm compliance in writing within five ( 5 ) calendar days of receipt of this letter.

ENCLOSURES : FTC Identity Theft Report Supporting Documentation and Affidavit NOTICE OF ENFORCEMENT If Equifax fails to comply, I will escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. I reserve the right to pursue civil litigation for actual, statutory, and punitive damages. 

Thank you for your prompt and lawful cooperation. 

Sincerely, 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