Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
b'Name: XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX CA XXXXnPhone: XXXX XXXX\nEmail: XXXX\nDate of Birth: XXXX XXXX XXXXnFTC Identity Theft Report No.: XXXX\nComplaint Date: XXXX XXXX XXXX\n\n\n\nSubject:\n\nFormal Identity Theft Complaint and Demand for Deletion and Permanent Blocking of Fraudulent Accounts\n\nViolations:\n\nFCRA XXXX, XX/XX/XXXX(b), XXXX\nFDCPA XX/XX/XXXX, XXXX\n\n\n\nTo Whom It May Concern,\n\nI am filing this complaint against Experian, TransUnion, and Equifax for knowingly failing to block, delete, and cease reporting fraudulent information on my credit report, despite having submitted my official FTC Identity Theft Report #XXXX, signed Identity Theft Statement, and all supporting documentation.\n\nThese credit bureaus are in direct violation of federal law, specifically the Fair Credit Reporting Act (XXXX) and Fair Debt Collection Practices Act (XXXX), for continuing to report, verify, and reinsert fraudulent accounts and inquiries without valid contracts or proper investigation.\n\n\n\nFRAUDULENT ACCOUNTS AND INQUIRIES TO BE DELETED AND BLOCKED\nXXXX 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 (multiple)\n\n\n\nDEMANDS\n\nI am demanding under federal law that the following be fulfilled immediately:\n\t1.\tPermanent deletion and blocking of all accounts and inquiries listed above, as required by:\n\t\tXXXX  U.S.C. XX/XX/XXXX(FCRA Section XX/XX/XXXX)  Duty to block identity theft information within XXXX  business days.\n\t\tXX/XX/XXXX U.S.C. XXXX(b)  Obligation to maintain maximum possible accuracy.\n\t\tXX/XX/XXXX U.S.C. XXXX  Duty to reinvestigate disputes and provide full transparency.\n\t\tXX/XX/XXXXU.S.C. XXXX  (FDCPA)  Validation of debts must be provided by collectors.\n\t\tXX/XX/XXXX U.S.C. XXXX   Prohibits false, deceptive, and misleading collection activities.\n\tXXXX.\tProduce the following documentation for each listed account:\n\t\tThe original signed contract (wet signature) proving I authorized the account.\n\t\tThe forward flow agreement between the original creditor and the debt buyer.\n\t\tThe full chain of assignment of the account.\n\t\tThe complete method of verification, including:\n\t\tThe name of the person or entity you contacted,\n\t\tThe time and date of the contact,\n\t\tThe documentation provided to verify the account.\n\t3.\tCease and Desist:\nEffective immediately, you must cease and desist from reporting, sharing, or collecting on these fraudulent accounts. Continued reporting after receiving identity theft documentation is a willful violation of federal law.\n\n\n\nRELIEF REQUESTED\n\nI am requesting the following remedies:\n\t\tImmediate and permanent deletion of all accounts and inquiries listed.\n\t\tWritten confirmation of each deletion and blocking.\n\t\tFull copies of all investigation reports and supporting documentation.\n\t\tMonetary relief for damages due to noncompliance, including statutory damages under:\n\t\tXXXX U.S.C. XXXX  (willful noncompliance)\n\t\tXX/XX/XXXX U.S.C. XXXX  (negligent noncompliance)\n\n\n\nFINAL NOTICE\n\nFailure to delete and block these fraudulent accounts within XXXX  business days from the date of this complaint will result in further legal action, including formal complaints to the Federal Trade Commission, California Attorney General, and civil litigation for statutory damages.\n\nSincerely,\nXX/XX/XXXX XXXX XXXX\XXXX XXXX, CA XXXX\nXXXX 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