Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Regulation F and FCRA Legal Demand Failure to Verify, Investigate, or Delete Disputed Items FTC Identity Theft Report # XXXX on File Dear Experian Legal Department, This letter serves as a formal legal demand under Regulation F ( 12 CFR 1006 ) and the Fair Credit Reporting Act ( FCRA ) to delete unauthorized, inaccurate, and unverified accounts and inquiries from my credit report. Despite submitting formal disputes and supporting documentation, including my XX/XX/XXXXXXXX  letter and an official FTC Identity Theft Report ( # XXXX ), Experian has failed to correct or delete clearly erroneous data, in violation of federal law. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are legally obligated to provide the method of verification and describe the reinvestigation procedures used. Under 15 U.S.C. 1681b, no personal data may be reported or sold without permissible purpose or consumer authorization. Additionally, 15 U.S.C. 1681c-2 mandates the blocking or deletion of information tied to identity theft when notifiedwhich this letter and the enclosed FTC report constitute.

Your ongoing reporting of disputed data without proof or investigation is also a direct violation of Regulation F, which requires clear consumer communication and debt validation in matters involving credit data. Many of these furnishers can not produce original applications or signed contracts, which further confirms your legal obligation to delete them.

Disputed Accounts Still Reporting ( Must Be Permanently Deleted ) : 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 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 You Have Failed to : Conduct a reasonable reinvestigation Provide documentation from furnishers verifying account validity Block identity theft data after formal FTC notice Comply with federal standards outlined in Regulation F Immediate Legal Demand : I hereby demand that Experian : Delete all accounts and hard inquiries listed above Provide written confirmation of deletion within 15 calendar days Cease furnishing or reselling my credit data without verified authorization Failure to Comply Will Result In : Formal complaints to the CFPB, FTC, and New Jersey Attorney Generals Office Civil action for violations under 15 U.S.C. 1681n and 1681o Legal pursuit of statutory, actual, and punitive damages This is your final notice. I expect full deletion and a written response within 15 days from receipt of this letter.

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