Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : FOURTH AND FINAL NOTICE CONTINUED VIOLATIONS OF FCRA 15 USC 1681c-2 AND RELATED STATUTES DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT & UNAUTHORIZED INQUIRIES To Whom It May Concern, This is my FOURTH formal notice demanding the immediate removal of fraudulent information from my TransUnion credit file. You are now in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681c-2, by failing to remove items that I have repeatedly disputed and documented as unauthorized and fraudulent. 

I previously submitted : My FTC Identity Theft Report A copy of my government-issued photo ID Proof of address A signed sworn statement affirming I did not authorize the listed accounts or inquiries Despite full compliance on my end, the following items still appear on my credit report, causing continued damage to my credit profile : FRAUDULENT ACCOUNT STILL REPORTING : On Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Open High Balance : {$170.00} UNAUTHORIZED HARD INQUIRIES : On TransUnion : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX On Experian ( for your awareness and inter-CRA obligation ) : XXXXXXXX XXXX XX/XX/XXXX CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XX/XX/XXXX Note : While some of these inquiries appear on Experian, they are included for documentation purposes and to make clear that multiple CRAs are reporting data tied to identity theft. The TransUnion-specific inquiries must be removed immediately. 

VIOLATIONS OF FEDERAL LAW : 15 USC 1681c-2 Failure to Block Fraudulent Data : You were obligated to block the fraudulent account and inquiries within XXXX business days of receiving my identity theft documentation. Your failure to comply is a direct and ongoing violation. 

15 USC 1681i Failure to Reinvestigate : You have not conducted a reasonable or lawful reinvestigation into this dispute. If the furnishers of the data can not provide documented evidence of my authorization, the information must be deleted. 

15 USC 1681b Lack of Permissible Purpose for Inquiries : TransUnion may only allow hard inquiries when there is documented consumer authorization. I did not authorize XXXX XXXX XXXX XXXX  to access my file.

15 USC 1681e ( b ) Inaccuracy & Negligence : Maintaining fraudulent and unverifiable data violates your duty to ensure maximum possible accuracy in all reported information.

15 USC 1681n & 1681o Civil Liability : Your willful or negligent noncompliance exposes you to statutory damages, actual damages, attorneys fees, and punitive damages under the law. 

DEMAND FOR IMMEDIATE ACTION : I demand the following actions be completed within XXXX calendar days of receipt of this letter : Delete the fraudulent account from XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) Remove the unauthorized hard inquiries by XXXX XXXX XXXX XXXX from your system Send me written confirmation that these deletions have been completed Failure to act will result in immediate escalation, including : Filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ) Reporting your noncompliance to the Attorney General of Pennsylvania Consulting legal counsel to pursue civil litigation for damages and FCRA violations You are now fully liable for the harm your inaction continues to cause. You have no legal basis to continue reporting unverifiable, disputed, and fraudulent information. This is your final opportunity to resolve this matter before litigation and formal complaints begin. 

Sincerely, 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