Consumer complaint received 2025-05-16 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: KS

Complaint narrative:
RE : DEMAND TO CEASE AND DESIST ; REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNT INFORMATION PURSUANT TO FEDERAL LAW To Whom It May Concern : This letter serves as formal notice and demand under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I hereby demand that XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and any related affiliates or agents immediately cease and desist from reporting, disseminating, or communicating any and all inaccurate, unauthorized, or fraudulent account information related to my identity. 

I XXXX XXXX, have filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to 15 U.S.C. 1681g ( e ) and initiated formal disputes with XXXX, XXXX, and Experian under the FCRA. This correspondence concerns fraudulent accounts alleged under my name with WebBank/Fingerhut which I did not authorize, open, or acknowledge. 


Factual Grounds : XXXX. XXXX has confirmed they have no verifiable records or contracts binding me to this alleged debt. 
XXXX. No original signed agreement exists that associates me with any account or financial responsibility. 
XXXX. There is no chain of custody or legally admissible documentation proving assignment or transfer of the alleged debt. 
XXXX. There has been unauthorized sharing and transfer of my personal data to third parties including XXXX XXXX and XXXX XXXX, which constitutes a violation of my right to privacy under Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

Legal Basis : Under Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information may not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that a credit reporting agency violates the FCRA if it does not conduct a reasonable reinvestigation of a disputed credit item. 

You are hereby formally instructed to cease and desist from the following : * Reporting any information related to these disputed accounts. 
* Communicating any information about these accounts to any third party. 
* Attempting collection, either directly or through third-party agencies. 
* Using, transferring, or processing any of my personal identifying information without written, express, and verifiable consent. 



Demand for Action : * Immediately block, remove, and delete all data and records associated with these fraudulent accounts from your databases. 
* Notify all consumer reporting agencies to which you have reported the account to delete or suppress the record permanently. 
* Provide written confirmation of full compliance within XXXX calendar days from the date of this letter. 


Failure to comply will result in further legal action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and pursuing a civil lawsuit under the FCRA, FDCPA, and related state privacy laws. I am preserving all rights and causes of action available to me and will seek statutory damages, attorneys fees, and punitive damages for continued violations. 

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