Consumer complaint received 2025-12-08 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:
Re : Second Round Dispute Confirmed Identity Theft ( FTC Report # XXXX, Police Report # XXXX ) ; Willful Violations of 15 U.S.C. 1681a ( 4 ) ( Consumer Privacy Rights ), 1681b ( Permissible Purposes ), 1681e ( b ) ( Accuracy Procedures ), 1681g ( Disclosures ), 1681i ( Investigations ), 1681n ( Civil Liability for Willful Noncompliance ), 1681c-2 ( 605B Blocking Identity Theft Info ), 1681s-2 ( Furnisher Duties ), 1681j ( Free Reports ) ; FDCPA 1692e ( False Representations ), 1692f ( Unfair Practices ), 1692g ( Validation ), 1692j ( Deceptive Forms ), 1692d ( Harassment ), 1692b ( 2 ) ( Location Info ), 1692h ( Multiple Debts ), 806 ( Harassment/Abuse ), 807 ( Misleading Reporting ) ; GLBA 502 ( 15 U.S.C. 6802 Unauthorized Disclosure ) ; TILA 1602 ( Definitions ), 1605 ( Finance Charges ), 1666b ( Payment Timing ) ; ITADA ( 18 U.S.C. 1028A Aggravated Identity Theft ) ; Privacy Act of 1974 ( 5 U.S.C. 552a Unauthorized Disclosures ) ; ECPA ( 18 U.S.C. 2510-2523 Electronic Privacy ) ; 15 U.S.C. 1693a ( No Account Exists ) ; 18 U.S.C. 1341 ( Mail Fraud ) ; and CFPB Regulations ( 12 C.F.R. 1022.43 Accuracy and Integrity ) Prior Disputes Ignored ; Demand for Immediate Deletion, {$1000.00} Per Violation, and Full Compensation To Whom It May Concern : This SECOND ROUND DISPUTE follows your willful failure to fully comply with my prior demands, where Equifax partially removed the bankruptcy public record but REFUSED to delete the attached accounts, and Experian/TransUnion CONTINUE to report ALL fraudulent items despite irrefutable evidence of IDENTITY THEFT. As a CONFIRMED VICTIM, I DEMAND IMMEDIATE AND PERMANENT DELETION of the fraudulent XXXX  XXXX bankruptcy record ( Filed : XX/XX/XXXX ; Reference Number : XXXX ; Court : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX Division ), all 14 associated unauthorized accounts, 3 unauthorized inquiries, and any related derogatory marks. Your ongoing reporting is a DELIBERATE INFRINGEMENT on my PRIVACY under 15 U.S.C. 1681a ( 4 ), affirming my sole right as the consumer to decide what financial matters ( inquiries, accounts, debts ) are privateI DEEM ALL THIS INFORMATION PRIVATE AND DO NOT CONSENT TO ITS SHARING. Congress mandates fairness and accuracy under FCRA ; your actions violate this, causing paranoia requiring medication, emotional distress, reputational defamation, financial losses, and harassmentmaking you LIABLE FOR ALL DAMAGES under FCRA 1681n.

I DID NOT CONSENT TO, AUTHORIZE, BENEFIT FROM, OR APPLY FOR ANY OF THESE ITEMSTHIS IS FRAUD FROM A DATA BREACH/IDENTITY THEFT, as detailed in prior disputes and attachments. The XXXX XXXX  XXXX confirmed ( XX/XX/XXXX letter, attached ) it " does not transmit or initiate conveyance of data to credit reporting agencies, '' rendering this UNVERIFIABLE and ILLEGITIMATE under FCRA 1681i ( a ) ( 5 ). Under 15 U.S.C. 1681b ( a ) ( 2 ), you may ONLY furnish reports with my WRITTEN INSTRUCTIONS or permissible purposeNEITHER APPLIES, constituting FALSE PRETENSES under 1681n ( b ) and aiding AGGRAVATED IDENTITY THEFT under 18 U.S.C. 1028A ( up to 2 years imprisonment ). As the ORIGINAL CREDITOR under 15 U.S.C. 1602 ( f ) ( I grant no deferral rights ), I DO NOT VALIDATE these debtsONLY I CAN, per FDCPA 1692g.

Fraudulent Items to Be DELETED IMMEDIATELY ( Unverifiable, Inaccurate, and Tied to Identity Theft ) : Bankruptcy Record : XXXX  XXXX ( XXXX ), Filed : XX/XX/XXXX, Ref : XXXX, Court : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  ( XXXX Division ). 
Associated Unauthorized Accounts ( XXXX Items No Negative Balances Shown ; Positive Reporting Deceptive ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specific Violations ( Willful Noncompliance Despite Prior Notice ) : 15 U.S.C. 1681a ( 4 ) Privacy Infringement : Reporting private inquiries/accounts/debts without consent ; I deem them privateyour sharing causes paranoia/medication needs ( liable for damages ).

15 U.S.C. 1681b Impermissible Purposes : No written consent ; obtained under false pretenses ( Chester v. Purvis, 260 F. Supp. 2d 711 ) ; no certification under 1681e.

15 U.S.C. 1681e ( b ) Accuracy Failure : No reasonable procedures; reported unvalidated data non-compliant with XXXX XXXX. 
15 U.S.C. 1681g Disclosure Denial : Failed to disclose all verification documentsDEMAND COPIES IMMEDIATELY ( do NOT say " verified by provider '' ).

15 U.S.C. 1681i ( a ) ( 1 ) / ( 5 ) Investigation Failure : Ignored disputes >30 days ; must delete unverifiable items ( Section 611 ( a ) ).

15 U.S.C. 1681c-2 ( 605B ) Identity Theft Blocking : Must block within XXXX business days per FTC/police reports ( attached ) refusal willful.

15 U.S.C. 1681s-2 Furnisher Violations : Inaccurate furnishing post-notice ; no validation from me ( original creditor ).

15 U.S.C. 1681n Willful Liability : Accepted unverified info without eyewitness proof ; $ XXXX. 
FDCPA 1692e ( 807 ) Misleading Reporting : Implies I applied/owe debts ; deceptive positive balances as " debt '' without negatives.

FDCPA 1692f Unfair Practices : Unauthorized collection ; logos/symbols on envelopes ( 1692f ( 8 ) ) ; no law mandates payment of unvalidated bills ( 1692f ( 1 ) ).

FDCPA 1692g Validation Failure : Only I validateI DO NOT ; return invalid payments ( 1692h ).

FDCPA 1692j Deceptive Forms : Furnished inaccurate items as accurate without GAAP validation.

FDCPA 1692d/806 Harassment : Reporting causes abuse/calls/letters ; harms reputation ( defamation ).

FDCPA 1692b ( 2 ) Location Disclosure : Shared address while implying debt to third parties.

GLBA 502 ( 15 U.S.C. 6802 ( b ) ( 1 ) ( A ) - ( C ) ) Unauthorized Disclosure : No opt-out notice ; deceptive nondisclosure of rights.

TILA 1602 ( e ) / ( f ) Definitions : No " credit '' granted by me ; I am original creditor.

TILA 1605 Finance Charges : Undefined/unsummed charges.

TILA 1666b Late Payments : Undefined " late payments '' reported inaccurately.

ITADA ( 18 U.S.C. 1028A ) Aggravated Theft : Aided fraud using my info without consent ( 2-year penalty ).

Privacy Act ( 5 U.S.C. 552a ) Disclosures : Unauthorized sharing of personal records.

ECPA ( 18 U.S.C. 2510-2523 ) Electronic Privacy : If breach involved electronic data, violated interception rules.

15 U.S.C. 1693a ( 2 ) No Account : No electronic fund transfer " account '' for collection.

18 U.S.C. 1341 Mail Fraud : Deceptive mailing of reports/letters.

Under 15 U.S.C. 1681j, PROVIDE FREE UPDATED REPORTS. I CERTIFY : This block request is NOT in error, NOT based on misrepresentation, and I obtained NO goods/services/moneys from these transactions ( certify otherwise under perjury per 1681b ( a ) ( 2 ) ). 
Demands ( Compliance Within XXXX Business Days ) : BLOCK/DELETE all items under FCRA 605B.

FULL INVESTIGATION/DELETION under 1681i ( 30 days max ).

CEASE DISCLOSURES under GLBA/FDCPA.

WRITTEN CONFIRMATION ( 5 days ) + FREE REPORTS ( 1681j ).

VALIDATION PER GAAP or REMOVE ; RETURN INVALID PAYMENTS.

TRUSTEE VERIFICATION ( prior questions ). 

Attachments : Police Report # XXXX ; FTC Report # XXXX ; Court Letter ( XX/XX/XXXX ) ; Prior Disputes/Receipts ; Credit Excerpts ; ID/Address/SSN Proof.

As consumer with ALL THE POWER ( 15 U.S.C. 1681 et seq. ), DELETE ASAP or face SMALL CLAIMS/FEDERAL LAWSUIT, XXXX complaints XXXX XXXX XXXX XXXX XXXX and DOJ referrals for ITADA/mail fraud. Erroneous from Equifax/XXXX  breaches ( 15 U.S.C. 1681 violation ). YOU ARE IN VIOLATIONACT NOW!

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