Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ( Last XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Final Notice - Failure to Block Fraudulent Accounts To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ). 
You are required to block fraudulent accounts within XXXX ( XXXX ) business days upon receiving proper identity theft documentation. 
I previously submitted the following : - Government-issued ID - Proof of address - Identity theft affidavit and/or police report - Statement of accounts I did not open or authorize Despite this, the following fraudulent accounts remain on my Experian credit file dated XX/XX/XXXX : - XXXX XXXX ( Acct # XXXX * * * * ) - Status : Repossession- XXXX XXXX Bank ( Acct XXXX XXXX XXXX * * * ) - Status : Charge-Off - XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX - Status : Collection - XXXX  XXXX Bank ( Acct # XXXX * * XXXX XXXX XXXX - XXXX late payment reported - XXXX XX/XX/XXXX - Inquiry dated XX/XX/XXXX - Unauthorized - XX/XX/XXXXXXXX XXXX XXXX Inquiry dated XX/XX/XXXX - Unauthorized I demand the following actions be taken immediately XXXX XXXX. Block and remove all listed fraudulent accounts and inquiries under XXXX U.S. Code XXXX. 
XXXX. Provide written confirmation within XXXX ( XXXX ) business days. 
XXXX. Disclose the names of all furnishers notified. 
If unresolved, I will escalate this issue to the CFPB, FTC, and my State Attorney General. I am also prepared to pursue legal action under XXXX and XXXX. 
Sincerely, XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Final Notice - Failure to Block Fraudulent Accounts To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ). 
You are required to block fraudulent accounts within XXXX ( XXXX ) business days upon receiving proper identity theft documentation. 
I previously submitted the following : - Government-issued ID - Proof of address - Identity theft affidavit and/or police report - Statement of accounts I did not open or authorize Despite this, the following fraudulent accounts remain on my Experian credit file dated XX/XX/XXXX : - XXXX XXXX ( Acct # XXXX * * * * ) - Status : Repossession- XXXX XXXX Bank ( Acct XXXX XXXX XXXX * * * ) - Status : Charge-Off - XX/XX/XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX - Status : Collection - XXXX  XXXX Bank ( Acct # XXXX * * XXXX XXXX XXXX - XXXX late payment reported - XXXX XXXX XXXX - Inquiry dated XX/XX/XXXX - Unauthorized - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized I demand the following actions be taken immediately XXXX XXXX. Block and remove all listed fraudulent accounts and inquiries under XXXX U.S. Code XXXX. 
XXXX. Provide written confirmation within XXXX ( XXXX ) business days. 
XXXX. Disclose the names of all furnishers notified. 
If unresolved, I will escalate this issue to the CFPB, FTC, and my State Attorney General. I am also prepared to pursue legal action under XXXX and XXXX. 
Sincerely, XXXX 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