Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
I am submitting this formal dispute and demand for immediate deletion regarding fraudulent information currently being reported on my Experian credit file. This information directly violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

On XX/XX/XXXX, I submitted an official FTC Identity Theft Report ( Report # XXXX ) stating that the accounts listed below were opened without my knowledge, consent, or authorization. As such, these accounts must be permanently blocked under FCRA 605B [ 15 U.S.C. 1681c-2 ]. 

FTC ID THEFT REPORT INFORMATION : FTC Report Number : XXXX Victim Name : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX FRAUDULENT ACCOUNTS ON EXPERIAN REPORT : Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$510.00} Status : Derogatory Charged Off Reported By Experian : XX/XX/XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$480.00} Status : Derogatory / Collection Reported By Experian : XX/XX/XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX LEGAL VIOLATIONS BY EXPERIAN : FCRA 605B Failure to Block Identity Theft Accounts Upon receiving an identity theft report, you are required to block all related information within 4 business days. You are in direct violation of this law by continuing to report the above accounts.

FCRA 1681i Inadequate Reinvestigation Procedures No meaningful investigation has been conducted. Marking these accounts as dispute resolved without documentary evidence is non-compliance.

FCRA 1681e ( b ) Failure to Ensure Accuracy The continued presence of fraudulent data proves a lack of procedures to maintain maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Failure to Provide Source Documentation You have failed to provide a signed application or agreement proving I authorized these accounts.

FCRA 1681b Lack of Permissible Purpose These accounts were opened and reported without my consent, violating permissible use of consumer information.

TILA ( 15 U.S. Code 1601 ) Unfair and Harmful Credit Reporting The reporting of unauthorized debts severely misrepresents my credit history and violates disclosure standards.

DEMAND FOR RESOLUTION : In accordance with FCRA 605B and supported by FTC Report # XXXX, I demand the following : Immediate deletion and permanent blocking of both accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) from my Experian credit file ; Written confirmation of deletion within 15 business days ; Detailed description of your reinvestigation process, as required under FCRA 1681i ( 7 ).

NOTICE OF LEGAL ESCALATION : If these accounts are not removed and I do not receive a written response within 15 business days, I will proceed to : File formal complaints with the FTC, and Florida State Attorney General, Pursue civil damages under FCRA 616 and 617, Provide documentation to legal advocates and consumer protection networks. 

This is not a frivolous dispute. This is a final legal notice of Experians noncompliance. I expect immediate correction of my credit file. 

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