Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Alabaster XXXX XXXX XXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested & Email Experian Attn : Experian Fraud Division / Special Handling / Dispute Processing P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Identity Theft Dispute Demand for Immediate Deletion of Fraudulent Accounts and Inquiries To Whom It May Concern : I, XXXX XXXX XXXX, am submitting this formal notice of Identity Theft and disputing fraudulent, inaccurate, and unauthorized accounts and inquiries currently appearing on my Experian credit file. This letter serves as an Identity Theft Report and Legal Demand pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and all applicable state laws.

Per law enforcement, I have completed a notarized affidavit of identity theft and filed a new FTC complaint.

IDENTITY THEFT REPORT & DISPUTED ITEMS I have filed an Identity Theft Report with the Federal Trade Commission pursuant to 15 U.S.C. 1681g ( e ).

The following accounts and inquiries were not opened, authorized, or initiated by me and are the result of identity theft : FRAUDULENT ACCOUNTS REQUESTED FOR IMMEDIATE DELETION XXXX. XXXX XXXX Balance : {$560.00} Account XXXX. : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : {$1300.00} Account XXXX. : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Balance : {$3900.00} Account No. : XXXX Date Opened : XX/XX/XXXX FRAUDULENT INQUIRIES REQUESTED FOR REMOVAL XXXX. XXXX Inquiry Date : XX/XX/XXXX GROUNDS FOR REMOVAL XXXX. The institutions listed above can not produce a valid, signed agreement or any documentation confirming I opened or authorized these accounts. 
XXXX. There is no evidence of consent, application, or legally binding contract linking me to these accounts or inquiries. 



LEGAL DEMAND FOR IMMEDIATE ACTION Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Experian is prohibited from reporting disputed or inaccurate information without proper and timely investigation. Continued reporting after notice may constitute willful noncompliance, exposing your bureau to liability under 15 U.S.C. 1681n and 1681o. 

Experian has been held liable in multiple federal cases for failing to properly investigate and correct disputed information, including : XXXX. XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Supreme Court ruling establishing strict accuracy requirements for credit reporting. 
XXXX. XXXX v. Experian Information Solutions XXXX XXXX, XXXX. XXXX ( XXXX XXXX, XXXX XXXX {$24.00} XXXX settlement for failure to investigate and correct inaccurate data. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX held that Experian failed to delete inaccurate information after being properly notified. 

Based on these precedents, Experian is hereby formally instructed to : XXXX. Cease all reporting, collection, or communication regarding the fraudulent accounts and inquiries. 
XXXX. Permanently delete the accounts and inquiries listed above from your system. 
XXXX. Block all XXXX-party access to these items unless expressly authorized by me in writing. 
XXXX. Notify all relevant furnishers and credit bureaus of the corrections made. 
XXXX. Provide a written confirmation of the actions taken within XXXX ( XXXX ) calendar days of receiving this notice. 



ENCLOSURES FTC Identity Theft Report Government-Issued ID Notarized Affidavit of Identity Theft Supporting Documentation / Letter NOTICE OF ENFORCEMENT RIGHTS Failure to investigate, remove, or block fraudulent information after receiving this Identity Theft Report constitutes willful and/or negligent noncompliance under FCRA 1681n and 1681o and may result in legal action. 

Thank you for your prompt and immediate attention to this matter. 

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