Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing XXXX request the immediate blocking XXXX deletion of fraudulent accounts XXXX  inquiries currently being reported on my Experian credit report. This request is made pursuant to my rights under federal law as a victim of identity theft XXXX due XXXX the XXXX XXXX data breach, which compromised my personal information including my Social Security number, date of birth, and other sensitive data. 

Equifax XXXX XXXX XXXX In XX/XX/XXXX, XXXXx announced a data breach that exposed the personal data of over XXXX XXXX individuals. The breach resulted in unauthorized access XXXX names, Social Security numbers, dates of birth, addresses, XXXX in some cases, drivers license XXXX credit card numbers. XXXX negligence has led to widespread fraud, XXXX I am XXXX of its victims. 

As a result of this breach, fraudulent accounts and inquiries have been opened using my personal information, none of which I authorized or initiated. 

Applicable Law Pursuant XXXX XXXX XXXX Code XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), Experian is required XXXX block and remove all fraudulent information from my credit file when the following are submitted : Proof of identity ( enclosed ) Identity theft report ( enclosed ) Identification of each fraudulent item ( listed below ) A sworn statement affirming non-authorization ( see Affidavit of Truth below ) Fraudulent Inquiries to Be Removed : XXXX XXXX Inquiry Date : XX/XX/XXXX Fraudulent Accounts to Be Deleted : XXXX XXXX Account # : XXXX * * * * XXXX XXXX Account # : XXXX * * * * XXXX XXXX Account # : XXXX * * * * XXXX XXXX Account # : XXXX * * * * Legal Provisions Supporting My Request XXXX XXXX Code XXXX ( a ) Block fraudulent information XXXX XXXX Code XXXX ( a ) ( XXXX ) Duty to act on identity theft reports XXXX XXXX Code XXXX ( b ) XXXX to maintain maximum accuracy XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) Manual, reasonable reinvestigation required XXXX XXXX Code XXXX & XXXX Consumer XXXX protection and disclosure limits XXXX XXXX Code XXXX FDCPA protections against XXXX practices Requested Actions Block XXXX  permanently delete all listed fraudulent accounts XXXX  inquiries Do not use e-OSCAR or any automated dispute system for this reinvestigation Conduct a manual, thorough investigation as required by law Provide written confirmation of the deletions Send an updated copy of my credit report showing corrected information Cease and Desist Notice This letter also serves as a formal demand that Experian XXXX  all related furnishers : Immediately stop reporting fraudulent accounts XXXX  inquiries Cease use of automated processing ( e.g., e-OSCAR ) in this dispute Refrain from providing false or misleading information to third parties If my rights are further violated, I will pursue legal action under XXXX XXXX Code XXXX and XXXX for willful XXXX negligent non-compliance with the FCRA. 

Affidavit of Truth XXXX XXXX I, XXXX XXXX, affirm under penalty of perjury that : I did not authorize or open the fraudulent accounts XXXX inquiries listed above. 

These entries are not related to any legitimate transactions I made. 

My personal information was compromised in the XXXX Equifax XXXX XXXX. 

These fraudulent items are harming my creditworthiness. 

I demand full legal compliance from Experian under FCRA XXXX related statutes. 

XXXX Notice XXXX XXXX Consequences I am not represented by any third-party credit repair agency. This dispute is being submitted directly by me, as authorized by law. 

You are required XXXX  confirm receipt and respond within XXXX business days. Failure XXXX act appropriately will result in formal complaints XXXX the CFPB, FTC, Attorney XXXX XXXX, XXXX the pursuit of civil litigation. 

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