Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
Subject : Experians Negligence in Credit Reporting Demand for Immediate Removal of Fraudulent Accounts To Whom It May Concern, I am formally disputing the fraudulent and inaccurate accounts appearing on my Experian credit report. I am demanding their immediate removal, as required by law. Given the CFPBs ongoing lawsuit against Experian for its deceptive and negligent credit reporting practices, this failure to maintain accuracy is completely unacceptable and will not be tolerated. 

Additionally, I am a victim of a data breach that has left my personal information exposed. Experian failed to protect consumer data, allowing fraudulent accounts to be opened in my name. This is a direct result of your reckless mishandling of sensitive information, and I refuse to suffer the financial and emotional consequences of your incompetence. 

Fraudulent/Inaccurate Accounts for Immediate Removal : 1. The following account is not mineXX/XX/XXXX SELFREPORTED Account Number : XXXXXX/XX/XXXXFCRA 605 ( b ) 15 U.S.C. 1681c-2 2. The following account is not mineXX/XX/XXXXSELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 3. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 4. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 5. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 6. The following account is not mineXX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 8. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 9. The following account is not mineXX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 10. The following account is not mineXX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 11. The following account is not mineXX/XX/XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 12. The following account is not mine XXXX XXXXXX/XX/XXXXAccount Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 13. The following account is not mineXX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 14. The following account is not mineXX/XX/XXXXSELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 15. The following account is not mine XX/XX/XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 16. The following account is not mine XX/XX/XXXX SELFREPORTED Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 17. Account was never late 15 U.S.C 1666B XX/XX/XXXX Account Number : XXXX 18. The following account is not mine XX/XX/XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 19. The following account is not mine XX/XX/XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 Experians Ongoing Violations & Legal Obligations : The CFPB lawsuit against Experian highlights its long history of failing to correct inaccuracies and ignoring consumer disputesa pattern that has directly harmed me. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian is legally obligated to block and remove fraudulent accounts within four ( 4 ) business days of receiving this dispute. You do not have the right to delay or investigate furtherthis is a legal mandate.

Experians failure to prevent fraud, compounded by its refusal to accurately report credit information, is a blatant violation of federal law and grounds for legal action.

Immediate Demands : Delete ALL fraudulent and inaccurate accounts IMMEDIATELY. Send me written confirmation of the deletions.

Provide an updated, corrected copy of my Experian credit report.

Failure to Comply Will Result in Legal Action If Experian continues its negligent, deceptive, and unlawful practices, I will take further action by : Filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office.

Seeking monetary damages for the financial and emotional harm caused by Experians failure to report accurate information.

Exploring legal action for violations of the Fair Credit Reporting Act ( FCRA ) and negligent handling of consumer data.

I expect immediate compliance with federal law. Failure to act within four ( 4 ) business days will force me to escalate this matter aggressively. If Experian can not fulfill its legal duty, it will be held accountable.

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