Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX Subject : LEGAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT DUE TO IDENTITY THEFT EQUFAX XXXX DATA BREACH To Whom It May Concern, This letter serves as a formal dispute and legal demand for the immediate and permanent removal of a fraudulent accounts listed on my credit report. I am a confirmed victim of the XXXX Equifax data breach, in which highly sensitive personal information was exposed and subsequently used to open unauthorized accounts in my name. 


The accounts in question were not authorized, opened, or used by me. Its presence on my credit report is a direct result of identity theft and constitutes a violation of my rights under multiple federal consumer protection laws. 


Pursuant to the following statutes, I demand immediate action : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : You are required to block and remove all information resulting from identity theft within four business days of receiving appropriate documentation.

FCRA 1681i ( a ) : You must conduct a reasonable reinvestigation and delete inaccurate, incomplete, or unverifiable information.

FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports.

Fair and Accurate Credit Transactions Act ( FACTA ) : Requires agencies to block fraudulent data upon receipt of proper evidence of identity theft.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : Reporting disputed fraudulent debts to third parties is a violation of federal law. 

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. : Prohibits unfair, deceptive, or abusive acts or practices by credit bureaus.

I am enclosing the following documents as required : A copy of my government-issued photo ID Proof of current address A copy of my FTC Identity Theft Report A written request for removal of the fraudulent information Proof of data breach Demand for Action : Permanently delete the fraudulent account from my credit file. 

Provide me with a corrected copy of my credit report showing the deletion. 

Issue a written statement confirming the removal and outcome of this dispute. 



Take notice : You are now on record. If you fail to comply with these demands within 15 calendar days, I will pursue all available remedies under the law, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Pursuing legal action under the FCRA and FDCPA for : Statutory damages ( up to {$1000.00} per violation ) Actual and punitive damages Attorneys fees and court costs Your continued reporting of this fraudulent account, despite being notified, constitutes willful noncompliance under 15 U.S.C. 1681n. I strongly recommend you treat this matter with the urgency it demands. 


Sincerely, XXXX XXXX Enclosures : Copy of Government-issued ID Proof of Current Address FTC Identity Theft Report / Police Report Proof of data breach

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