Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
XXXX, XXXX XXXX, Chair, FederalTradeCommission XXXX ActingComptrolleroftheCurrency ExperianInformationServicesLLC Subject : UnconditionalDemandforImmediate, CompleteDeletionofFraudulentAccountfromAllCreditReportsFederalStatutoryViolations, LegalPenalties, XXXX, XXXX in XXXX, XXXX, XXXX, and the KingJamesBible XXXX To XXXX PrivacyComplianceDepartment and all responsible parties : This letter is a firm and irrevocable demand for the immediate, permanent deletion and complete removal of all information regarding the fraudulent account XXXX from my credit reports with Experian, XXXX, and XXXX. The continued presence of this accountdespite clear documentation proving it originated from identity theft ( FTC Identity Theft Report XXXX ) violates multiple federal statutes, binding case law, and core principles of XXXX, XXXX, XXXX, and the KingJamesBible. 

This communication leaves no room for negotiation. These doctrines universally condemn the perpetuation of falsehoods, demand immediate remedy for unjust harm, and establish the obligation of truth and integrity in all dealings. Each section herein presents exhaustive statutory citations, caselaw support, and doctrinal analysis to justify immediate deletion. 

1.Federal Violations under the Fair Credit Reporting Act ( FCRA ) a.MaximumPossibleAccuracy XXXX15U.S.C.1681e ( b ) Penalty : $ XXXX Violation by XXXX : Despite my dispute and FTC XXXX report, the account remains marked collectible XXXX This refusal to act on clear evidence of fraud constitutes willful misreporting and has inflicted measurable harm on my credit profile. 

Supporting case law : XXXX ( XXXX ). 

XXXX foundation : XXXX ( No one XXXX unlawfully harm the good reputation which a person enjoys ). 

Statutory penalty calculation : {$3000.00}. 

b.Prohibition on Outdated Adverse XXXX15U.S.C.1681c ( a ) ( 4 ) Penalty : $ XXXX Violation by XXXX : Conflicting XXXX dates across bureaus improperly reage the debt beyond the sevenyear limit. 

Supporting case law : XXXX XXXX XXXX ( XXXX ). 

CanonLaw/Biblical principle : XXXX and XXXX. 

Statutory penalty calculation : {$2000.00}. 

c.Failure to XXXX XXXX Information15U.S.C.1681XXXX  XXXX : $ XXXX Violation by XXXX : No XXXX investigation followed my dispute. 

Supporting case law : XXXX, XXXX ( XXXX ). 

XXXX mandate : XXXX ( right to defend ones good name ). 

Statutory penalty calculation : {$3000.00}. 

d.Knowingly Reporting False Information15U.S.C.1681s2 ( a ) Penalty : $ XXXX Violation by XXXX : Continued XXXX after receiving incontrovertible evidence of fraud. 

Supporting case law : XXXX ( XXXX ). 

XXXX foundation : XXXX ; XXXX. 

Statutory penalty calculation : {$3000.00}. 

Total FCRA penalty exposure : {$11000.00}. 

2.Additional Violations under the Truth in Lending Act ( TILA ) Misrepresentation of the fraudulent obligation by XXXX violates XXXX transparency mandates. XXXX insistence on truth and restitution ( XXXX, XXXX ) reinforces these statutory requirements. 

Final Demand In light of the above federal statutes, enforceable penalties, binding case law, and XXXX doctrines of justice and restitution, I demand the immediate and permanent deletion of XXXX from all consumerreporting databases. Noncompliance will result in formal complaints to the FTC, CFPB, XXXX, and the Michigan Attorney General, as well as civil litigation seeking monetary damages. 

Total statutory penalty exposure to date : {$33000.00}. 

I expect written confirmation of deletion within XXXX of receipt of this notice.

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