Consumer complaint received 2025-06-29 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 XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX RE : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS IDENTITY THEFT RESULTING FROM DATA BREACHES To Whom It May Concern, I am formally disputing and demanding the immediate removal of unauthorized, fraudulent accounts appearing on my credit file. These accounts were not opened by me, and I am the victim of identity theft, directly related to multiple well-documented data breachesincluding the XXXX Equifax breach XXXX which compromised the personal data of over XXXX XXXX Americans, including mine. 





Fraudulent Accounts : [ List the names of the creditors, partial account numbers, and dates opened e.g., XXXX  XXXX Account ending in XXXX, opened XX/XX/XXXX ] These accounts were not authorized, and I have never opened or consented to credit lines with these institutions. Reporting these accounts as valid is not only inaccurate, but a violation of federal law.

Legal Grounds for Removal : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove all information that results from identity theft within XXXX business days of receiving a valid dispute accompanied by evidence. 



This letter serves as such notice, and I am including : A copy of my government-issued ID Proof of address A signed FTC Identity Theft Report [ or police report, if available ] A copy of my credit report highlighting the fraudulent accounts Relevant Federal Laws & Precedents : 15 U.S.C. 1681g, 1681s-2 ( a ), and 1681c-2 ( a ) : * * These require accurate credit reporting and obligate data furnishers and CRAs to block fraudulent information upon request.

FTC v. Equifax Inc. ( 2019 ) : The FTC, CFPB, and 50 U.S. states reached a {$700.00} million settlement with Equifax for its 2017 data breachan admission of systemic failure to protect personal data.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit bureaus must conduct a reasonable reinvestigationnot rely solely on furnishers.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Knowingly retaining inaccurate or fraudulent information is willful FCRA noncompliance.

My Demand : I am demanding that you : Immediately block and remove all fraudulent accounts as required by law. 
Provide written confirmation within XXXX business days that these items have been deleted from my file. 
Include an updated copy of my credit report with all changes made. 




If you fail to comply, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) Pursue civil action for statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n, plus actual and punitive damages and attorneys fees.

This letter constitutes official notice under FCRA 1681c-2 and 1681i. Please preserve all records and communications related to this dispute for legal purposes.

Sincerely, [ Your Full Name ] [ Signature if mailing ] Enclosures : Government-issued ID FTC Identity Theft 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