Consumer complaint received 2025-11-06 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: MA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and final warning under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) regarding fraudulent and inaccurate accounts currently appearing on my credit report. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), you are legally required to permanently block and suppress any fraudulent accounts upon receiving proper documentation. 
Disputed Accounts : XXXX XXXX XXXX XXXX  - Auto Account Number : XXXX XXXX XXXX individual Account Number : XXXX XXXX  ( Original Creditor : XXXX  ) Account Number : XXXX XXXX  ( Original Creditor : XXXX  ) Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX MANDATORY NOTIFICATION TO ALL CREDIT REPORTING AGENCIES In accordance with 15 U.S.C. 1681i ( a ) ( 2 ), you are required to notify all other national credit reporting agencies ( XXXX, Experian, and XXXX  ) of this dispute within 5 business days. Noncompliance will trigger immediate legal action under the Judge in Five Rule, ensuring fast-track judicial relief. 
JUDGE IN FIVE RULE NOTICE OF EXPEDITED LEGAL ACTION Should this matter remain unresolved within 5 business days, I will pursue expedited judicial enforcement. My legal complaint will include, but not be limited to, the following violations : 1. Fair Credit Reporting Act Violations : 1681c-2 Failure to block fraudulent information 1681i ( a ) ( 2 ) Failure to notify other bureaus 1681n Willful noncompliance ( statutory and punitive damages ) 1681o Negligent noncompliance ( actual damages ) 2. Federal Consumer Protection Violations : Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
XXXX. State Law Violations : I will escalate this to my State Attorney General 's Office and pursue civil litigation for violations of state fraud and consumer protection laws. 
DEMAND FOR METHOD OF VERIFICATION ( MOV ) Under 15 U.S.C. 1681i ( a ) ( 7 ), I am formally requesting the Method of Verification used to confirm the accuracy of the disputed accounts. This must include : The name, address, and contact info of the original data furnisher Copies of any documents used to verify the account A sworn affidavit from the verifying party affirming the informations validity Failure to comply within XXXX business days will be considered willful noncompliance, triggering immediate legal action. 
FINAL WARNING BEFORE LITIGATION If these accounts are not permanently removed within 5 business days from the receipt of this letter, I will : Initiate expedited legal proceedings under the Judge in Five Rule File a federal lawsuit for all applicable damages Report your agency to the CFPB, FTC, and State Attorney General Seek {$1000.00} per violation, plus actual and punitive damages This letter constitutes your final opportunity to correct these violations without judicial involvement. 
Sincerely, 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