Consumer complaint received 2025-09-11 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:
Subject : Formal Dispute of Inaccurate Information & Demand for Permanent Removal of Negative Account To Whom It May Concern : I am formally disputing the accuracy, completeness, and lawfulness of the negative account ( s ) reported on my credit file. This is my 3rd request for a full investigation into this matter but have yet to receive sufficient, verifiable documentation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to provide documented verification or deletion within XXXX  days of my dispute, as I have been requesting information for over XXXX days, which is sufficient time to have gathered all necessary information. 
Moreover, my request is supported by evidence of significant recent data breaches that severely undermine the reliability of data reported : - In XXXX, TransUnion recorded record-high data breach severity metrics. Their Breach Risk Score ( BRS ) rose to 4.6 in Q1 2024dramatically higher than 3.5 in Q1 2023with 78 % of publicly reported breaches exposing Social Security numbers. Furthermore, for all of XXXX, the severity of primary data breaches surged to 5.6 from 4.1 in XXXX, while third-party breach severity climbed to XXXX. 
- In XX/XX/XXXX, TransUnion suffered a major breach affecting XXXX XXXX individuals, resulting from unauthorized access via a third-party application used for consumer support. Exposed data reportedly includes names, dates of birth, Social Security numbers, and possibly drivers license numbers. 
- In XXXX, Equifax distributed a report to the XXXX XXXX XXXX that mistakenly included data of more XXXX individualsunconnected to any applicantfor migration-related financial assessments. 
Given these breachesand the impossibility of tracing, verifying, or relying on data integrityyou can not ensure that any negative account on my file reflects legitimate, accurate information lawfully attributed to me. Reporting unverifiable or potentially corrupted data is a violation of the FCRA.

Accordingly, I hereby demand : 1. Immediate deletion of the disputed negative account ( s ) from my credit report, due to lack of documentation and data integrity concerns. 2. Written confirmation of permanent removal within 15 days of your receipt of this letter. 3. Disclosure of the method and source used to verify the account, along with detailed evidence demonstrating that the information is accurate and belongs to me. 
Failure to comply will leave me no choice but to pursue all remedies available under federal and state lawthis includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursuing legal remedies under 15 U.S.C. 1681n, 1681o for willful or negligent noncompliance.

I have enclosed copies of my identification and proof of address to facilitate your verification. Treat this as an official notice under the FCRA.

Sincerely

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