Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
To Whom It May Concern, Subject : Final Demand for Removal of Fraudulent Accounts and Inquiries FCRA Dispute I am writing to formally dispute and demand the immediate removal of all fraudulent accounts and inquiries listed on my credit report. This letter serves as my final notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding the inaccurate and unauthorized information being reported. 

After reviewing my credit reports from TransUnion, Experian, and Equifax, I have identified multiple accounts and inquiries that are fraudulent and were not authorized by me. These entries are damaging my credit profile and misrepresent my financial history. 

The only valid account on my credit report is XXXX. All other accounts and inquiries are fraudulent and must be removed immediately. 

I have previously submitted supporting documentation, including a police report and a hospital letter, confirming that I was a victim of identity theft. These documents substantiate my claim and satisfy the requirements under FCRA 1681c-2 for blocking fraudulent information. 

Therefore, I demand the following : Immediate deletion of all fraudulent accounts from my credit report. 

Immediate removal of all unauthorized inquiries. 

Written confirmation that these deletions have been completed. 

Updated copies of my credit report reflecting these corrections. 

Failure to comply with this request within 30 days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and consider legal action for willful noncompliance under FCRA 1681n. 

Please treat this letter as a formal dispute and final demand. I expect your full cooperation and resolution without delay. 





XXXX  Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account XXXX ending in XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX From TransUnion Report XXXX Account # ending in XXXX XXXX XXXX Account XXXX ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX  Account XXXX XXXX in XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account XXXX XXXX in XXXX XXXX XXXX  Account # ending in XXXX XXXX XXXX Account # ending in XXXX From Experian Report XXXX Account # ending in XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in 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