Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
Experian Information XXXX XXXX. XXXX XXXX XXXX, TX XXXX AFFIDAVIT OF IDENTITY THEFT FORMAL NOTICE & DEMAND FOR IMMEDIATE BLOCK AND DELETION UNDER FCRA 605B ( 15 U.S.C. 1681c-2 ), 611, 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), FTC IDENTITY THEFT LAW & UCC 1-308 XXXX : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX Email : XXXX Phone XXXX XXXX Date : ______________________ AFFIDAVIT & DECLARATION I, XXXX XXXX, hereby declare under penalty of perjury that the information contained in this affidavit is true and correct to the best of my knowledge. 
I am a verified victim of identity theft. My personal identifying information was exposed in the XXXX  data breach, after which fraudulent credit accounts were opened and reported under my name without my knowledge, consent, or authorization. 
This identity theft has caused severe financial harm and has directly interfered with my ability to obtain basic necessities for my family. I am a father attempting to provide for my household, and the continued reporting of fraudulent accounts has resulted in denials and financial hardship. 
An Identity Theft Report has already been filed, satisfying the requirements of 15 U.S.C. 1681c-2 ( FCRA 605B ). 
FRAUDULENT / INACCURATE ACCOUNTS BEING DISPUTED XXXX. XXXXXXXX XXXX  XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Credit Card ( Revolving ) Date Opened : XX/XX/XXXX Reported Status : Charged Off Balance Reported : {$9800.00} Issue : Account was not opened or authorized by me. Identity theft. 
XXXX. XXXX / XXXX XXXX XXXX : Account activity and reporting tied to compromised identity. 
XXXX. XXXX  XXXX Account Number : XXXX Status : Paid / Closed Issue : Account opened during period of identity compromise and must be investigated for accuracy and authorization. 
VIOLATIONS OF FEDERAL LAW 1. FCRA 605B 15 U.S.C. 1681c-2 ( Identity Theft Block ) Once a valid Identity Theft Report is received, the credit bureau must block and remove the fraudulent account within FOUR ( 4 ) BUSINESS DAYS.

Continued reporting is per se unlawful.

2. FCRA 611 15 U.S.C. 1681i You are required to conduct a reasonable reinvestigation. Verifying fraudulent data supplied by a furnisher without independent validation fails this standard.

3. FCRA 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Reporting accounts tied to identity theft is the opposite of accuracy.

4. FCRA 1681i ( a ) ( 5 ) ( A ) Any information that is inaccurate, unverifiable, or derived from fraud must be deleted, not updated or verified.

5. FTC Identity Theft Law Identity theft victims are entitled to immediate relief, not prolonged reinvestigation delays.

6. UCC 1-308 affidavit. 
I expressly reserve all rights without prejudice and do not waive any legal remedies by submitting this SUPPORTING CASE LAW ( NOTICE OF LEGAL PRECEDENT ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must do more than simply rely on a furnishers verification. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Failure to conduct a reasonable reinvestigation violates FCRA 611. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) Willful non-compliance exposes the bureau to statutory and punitive damages. 
DEMAND FOR RELIEF Accordingly, I hereby demand : 1. Immediate BLOCK and DELETION of all fraudulent accounts listed above 2. Application of the 4-Day Identity Theft Block pursuant to FCRA 605B 3. Written confirmation that the accounts have been permanently removed 4. Updated credit reports reflecting accurate, fraud-free information Failure to comply will result in formal complaints to the CFPB, FTC, State Attorney General, and potential civil litigation under 15 U.S.C. 1681n & 1681o. 
Signature : _______________________________ XXXX XXXX XXXX : XX/XX/XXXX SSN : 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