Consumer complaint received 2025-05-25 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Notice of Intent to Sue Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter is to notify Experian of my intent to initiate legal action for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding your failure to comply with statutory obligations related to identity theft reporting and credit file correction.

I have previously notified Experian, including through filings with the Consumer Financial Protection Bureau ( CFPB ), that I am a victim of identity theft. My personal information was exposed in a data breach, and an XXXX XXXX account appearing on my credit report is fraudulent and does not belong to me. I have provided all required documentation under the FCRA, including proof of identity, a police report or identity theft affidavit, and a written statement disputing the account.

Under 15 U.S. Code 1681c-2 ( FCRA 605B ), Experian is legally obligated to block the reporting of fraudulent information within four ( 4 ) business days of receiving the necessary documentation. The law does not allow the disputed item to remain on the credit report pending investigation. Your continued reporting of the fraudulent XXXX XXXX account constitutes a clear violation of this statute. 

The relevant portion of the law states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of '' ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In addition, Experians failure to comply exposes the company to legal liability under : 15 U.S. Code 1681n Willful noncompliance ( entitles the consumer to actual damages, statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and attorneys fees ).

15 U.S. Code 1681o Negligent noncompliance ( entitles the consumer to actual damages and attorneys fees ).

Demand : I demand that Experian immediately and permanently delete the unauthorized XXXX XXXX account from my credit report and provide written confirmation of this action within 10 calendar days of the date of this letter.

If you do not comply with the FCRAs legal requirements, I will have no choice but to file a lawsuit against Experian seeking full legal remedies under federal law, including actual damages, statutory damages, punitive damages, and attorneys fees. 

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