Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Identity Theft Notification and Legal Demand for Deletion of Unverified Accounts and Inquiries Pursuant to 15 U.S.C. 1681b, 1681c-2, and 1681i Dear Experian Legal Department , This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) that I have become a victim of identity theft, and you are reporting information on my credit file without a permissible purpose, in direct violation of 15 U.S.C. 1681b.

Additionally, under 15 U.S.C. 1681c-2, you are prohibited from reporting accounts or inquiries that result from identity theft once notified. This letter, combined with my previously submitted FTC Identity Theft Report ( Report # XXXX ), constitutes formal notice. The report includes all required attestations under penalty of perjury. 

As such, you are now legally obligated to permanently delete the following accounts and hard inquiries, which have either resulted from identity theft or continue to be reported without my authorization or consent. No signed application, contract, or agreement with my wet signature has been produced by any of the furnishers. 

Disputed Accounts ( Must Be Deleted Immediately ) : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX INT FC Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Unauthorized Hard Inquiries ( Must Be Deleted Immediately ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Basis for My Demands : 15 U.S.C. 1681b prohibits the furnishing of consumer reports without the consumers written permission or a permissible purpose. You have not received my authorization, nor is there any valid permissible purpose for the above-listed accounts or inquiries.

15 U.S.C. 1681c-2 requires that any information resulting from identity theft must be blocked from appearing on a credit report once notice and proof have been submitted. I have provided that notice via the FTC Identity Theft Report on file.

A CFPB complaint is already active against Experian regarding failure to properly investigate disputes under 15 U.S.C. 1681i. Continued noncompliance adds to your liability.

What You Must Do : Permanently delete all accounts and inquiries listed above from my credit file.

Provide written confirmation of deletion within 15 calendar days of receiving this letter.

Do not sell, distribute, or furnish my consumer data to any third parties moving forward without written authorization.

If You Fail to Comply : If Experian continues to report the disputed accounts or inquiries after this formal identity theft notification, I will : Escalate my CFPB complaint and submit an FTC violation report ; File a lawsuit against Experian for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o ; Seek statutory, actual, and punitive damages as permitted by law.

This is your final opportunity to correct your records and come into compliance with federal law. I expect a full deletion and written confirmation within 15 days.

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