Consumer complaint received 2025-10-20 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: AZ

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian\nXXXX XXXX XXXX XXXX XXXXn\nSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Experian,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach of XXXX, in which the personal information of over XXXX XXXX  Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over XXXX XXXX passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in Dispute:\n1. 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 XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerely,\nXXXX 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