Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX RE : IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS DUE TO DATA BREACHES FORMAL DEMAND UNDER FEDERAL LAW To Whom It May Concern : This letter serves as an official legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable federal law for the immediate removal and permanent deletion of multiple fraudulent and unauthorized accounts currently appearing on my credit file. 
Let me be clear : I am the victim of identity theft resulting from the catastrophic XXXX Equifax data breach, in which over XXXX XXXX consumers had their most sensitive personal informationincluding minecompromised. My full legal name, Social Security number, birthdate, and other personal identifiers were exposed. My identity has been further jeopardized by additional confirmed breaches, including : XXXX XXXX ( XXXX ) XXXX XXXX consumers affected XXXX ( XXXX & XXXX ) Over XXXX XXXX users compromised XXXX XXXX XXXXXXXX Unlawful data harvesting of over XXXX XXXX users I will not tolerate continued willful reporting of accounts fraudulently opened using my stolen identity. I am fully exercising my rights and putting you on notice. 
ACCOUNTS TO BE IMMEDIATELY DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are fraudulent, unauthorized, and the result of identity theft. I never applied for, used, or had knowledge of these accounts prior to reviewing my credit file. 
FEDERAL LAW IS CLEAR YOU ARE LEGALLY OBLIGATED TO DELETE Under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required to block and delete identity theft-related information within four ( 4 ) business days of receiving proper documentation and dispute. I am providing you that documentation now.

Failure to comply is a knowing violation of federal law, exposing your agency to monetary damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any item is removed due to a dispute, it can not be reinserted without certification from the data furnisher and prior written notice to me. I am formally demanding a permanent block and non-reinsertion order. 
CASE LAW : YOU HAVE BEEN WARNED XXXX XXXX Equifax Info. Servs., LLC , XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Reinforces your duty to reasonably investigate disputes and remove inaccurate or fraudulent entries. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. 200XXXX ) : Confirms the obligation to remove misleading or unverifiable credit information. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to perform reasonable investigations can result in substantial jury awards. 
You are not exempt from accountability. The courts have made that clear. 
FORMAL DEMANDS IMMEDIATE REMOVAL of all fraudulent accounts listed above from my credit reports across all three bureaus. 
NO REINSERTION of any disputed item without full compliance with 1681i ( a ) ( 5 ) ( B ).

FULL COMPLIANCE WITH 1681i ( d ) Notify all entities that accessed my report in the past six months of the deletions.

ACKNOWLEDGMENT IN WRITING within 30 calendar days or less.

If these accounts are not removed, I will file : A formal CFPB complaint against your agency ( s ) A state attorney general complaint Legal action in federal court seeking full statutory and punitive damages Media exposure of noncompliance with identity theft protections ENCLOSURES Government-issued ID FTC Report Proof of data breach You have 30 days from receipt of this letter to comply. If I receive no satisfactory response, I will escalate this issue without further notice. 
This is your final opportunity to correct your records before litigation. 
Sincerely, 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