Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Re : FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS WITHIN 24 HOURS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ( on behalf of Progressive Insurance ) To Whom It May Concern, This is a final and legally binding demand for the immediate and permanent deletion of the fraudulent accounts listed above. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX XXXX or Progressive Insurance, nor have I ever authorized XXXX XXXX XXXX to collect any alleged debt on my behalf. These accounts are unauthorized, fraudulent, and unverifiable. 

Despite multiple formal disputes and Cease & Desist notices, these accounts have been reinserted or allowed to remain on my file without proper reinvestigation or verification, in direct violation of my rights under federal law. 

Further, other credit bureaus have already permanently deleted the XXXX XXXX XXXX account, clearly confirming that the account is not valid and should never have been reported in the first place. The fact that you are still reporting it despite clear evidence, lack of documentation, and its removal from other major bureaus is negligent, willful, and unlawful. 

You are now in direct violation of multiple federal consumer protection laws : FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) : Failure to notify me within 5 days of reinsertion.

FCRA 15 U.S. Code 1681s-2 ( b ) : Failure to conduct a lawful reinvestigation or delete unverifiable data.

FCRA 15 U.S. Code 1681b ( f ) : Reporting information without a permissible purpose.

FDCPA 15 U.S. Code 1692e ( 8 ) : Continuing to report known false or disputed debts.

FACTA 15 U.S. Code 1681c-2 : Failure to block fraudulent information tied to identity theft.

FCRA 15 U.S. Code 1681n & 1681o : Willful and negligent noncompliance subjecting you to civil liability including statutory damages, punitive damages, and attorneys fees. 

DEMANDS : I am demanding that you : 1.Permanently delete the XXXX XXXX  XXXX account XXXX in XXXX from my credit file. 
2.Permanently delete the XXXX XXXX XXXX account XXXX in XXXX, allegedly placed on behalf of XXXX XXXX XXXX 
3.Provide a written response within 24 hours confirming the deletion of both accounts and assurance that they will not be reinserted under any circumstances.

If you fail to comply with this demand within 24 hours, I will immediately proceed with formal complaints to the : State Attorney Generals Office And I will initiate legal action for full remedies under FCRA, FDCPA, and FACTA for actual damages, statutory damages, punitive damages, and emotional distress. 

You are now on legal notice. This is your final opportunity to correct and permanently delete these false entries. Failure to comply will result in escalated legal consequences without further warning. 

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