Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am formally requesting that you immediately remove all negative items from my credit report due to fraudulent activity, including but not limited to the well-documented XXXX data breach that exposed consumer information. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and fairness of the information contained in consumer reports. Any negative items resulting from fraudulent activity and identity theft must be deleted from my file immediately. 
Additionally, pursuant to the Uniform Commercial Code ( UCC ) 1-308, I am exercising my rights to demand the correction of inaccuracies and unauthorized reporting of accounts. The continued reporting of fraudulent accounts or incorrect information constitutes willful noncompliance with the FCRA, subjecting your agency to legal liability, including statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
Given that my personal information was compromised through the XXXX data breach, I have reason to believe that any negative accounts appearing on my credit report may be the result of unauthorized activity. Therefore, I demand the immediate and permanent removal of all fraudulent, inaccurate, or unverifiable accounts, inquiries, and derogatory remarks. 
If you fail to comply with this demand within 4 days, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance with the FCRA and UCC. 
Seeking statutory and punitive damages for negligence and harm caused by the continued reporting of fraudulent information. 
This letter serves as a formal Cease and Desist notice for any continued reporting of inaccurate or fraudulent information on my credit file. I expect written confirmation that all negative and fraudulent items have been permanently removed from my report. 

The following below is inaccurate information of names, addresses and inquiries : Name XXXX XXXX XXXX Name identification number XXXX Name : XXXX XXXX XXXX Name identification number XXXX Name : XXXX XXXX XXXX XXXX Name identification number XXXX XXXX XXXX XXXX Name identification number XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX Address identification number XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX Address identification number XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Address identification number XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Address identification number XXXX Failure to act within the 4-day timeframe will result in legal escalation without further notice. 

Sincerely, XXXX XXXX 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