Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
SECOND FORMAL FEDERAL COMPLAINT IDENTITY THEFT REPORT SUBMITTED DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT INQUIRIES, INCORRECT PERSONAL INFORMATION, AND XXXX  XXXX XXXX ACCOUNT INTRODUCTION This is my SECOND FORMAL FEDERAL COMPLAINT regarding Experians continued failure to correct, delete, or respond to fraudulent and inaccurate data in my credit file. My previous dispute was ignored, violating federal obligations under the FCRA.

I am submitting my FTC Identity Theft Report # XXXX. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian must block fraudulent, inaccurate, or unverifiable information within FOUR business days.

CORRECT PERSONAL INFORMATION ( MANDATORY UPDATE ) The following information is correct and must replace all incorrect data : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/1989 Fraudulent addresses that must be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to maintain accurate identifying information violates FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), 607 ( b ), and 605B. 
XXXX  XXXX XXXX ACCOUNT MUST BE DELETED Experian continues to report contradictory and impossible information : Closed / Paid {$0.00} Charge-off / collection Cancelled by credit grantor These contradictions violate FCRA 1681e ( b ), 1681i, 623 ( a ) ( 1 ), 623 ( a ) ( 3 ), and 605B. 
The XXXX  XXXX XXXX account must be permanently deleted in full.

UNAUTHORIZED INQUIRIES MUST BE REMOVED All 14 inquiries listed below were unauthorized and must be removed under FCRA 604 ( a ), 604 ( f ) ( 1 ), 615, 609 ( a ) ( 1 ), 611, 605B, and 18 U.S.C. 1028A : XXXX XXXX  ( XXXX ), XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX  ( XXXX ), XXXX  ( XXXX ), XXXX  XXXX XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX  ( XXXX ) FEDERAL VIOLATIONS COMMITTED BY EXPERIAN Experian has violated multiple federal laws, including : FCRA 604, 605B, 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ( 1 ), 623 ( a ) ( 3 ), 623 ( b ) FCRA 1681n & 1681o ( civil liability ) Gramm-Leach-Bliley Act 6802 18 U.S.C. 1028A ( identity theft ) DEMANDS FOR IMMEDIATE ACTION Experian must : 1. Delete the XXXX  XXXX XXXX account. 
2. Remove all 14 unauthorized inquiries.

3. Correct all personal information.

4. Block all identity-theft-related data under 605B.

5. Provide written confirmation of all deletions.

6. Provide all verification documents and reinvestigation procedures.

7. Guarantee no reinsertion without compliance with 611 ( a ) ( 5 ) ( B ).

NOTICE OF ESCALATION Failure to comply will result in formal complaints to the FTC, Texas Attorney General, and civil litigation seeking statutory, actual, and punitive damages under 1681n and 1681o.

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