Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13956800

Complaint Overview

Complaint ID: 13956800

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Information belongs to someone else

State: Florida

ZIP Code: 344XX

Date Received: 2025-06-07T12:00:00-05:00

Date Sent to Company: 2025-06-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute of Fraudulent Accounts Tied to the XXXX Equifax Data Breach Immediate Action Demanded To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts from my credit report that were created using my personal information, which was compromised in the XXXX Equifax data breach. I am invoking my rights under federal law, supported by case precedent and regulatory actions stemming from the breach. As you are fully aware, the Equifax data breach of XXXX exposed the personal informationincluding names, Social Security numbers, birth dates, addresses, and, in some cases, drivers license numbersof approximately XXXX XXXX Americans. Equifax admitted liability, resulting in XXXX of the largest settlements in U.S. history : In re : Equifax Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX : {$700.00} XXXX Under this class action and in subsequent findings by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), Equifax was found to have failed in its duty to protect consumer data, directly enabling a wide range of identity theft and fraudulent account activity. These fraudulent accountsof which I am now a victimare in clear violation of my rights under the : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Fair and Accurate Credit Transactions Act ( FACTA ) FTC Act, 15 U.S.C. 45 Consumer Financial Protection Act of XXXX Relevant rulings in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), which affirmed consumer rights regarding willful noncompliance by reporting agencies. Furthermore, I demand protection and remedial action as outlined in 15 U.S.C. 1681c-2, which provides for the blocking of information resulting from identity theft when proper documentation is presented. DEMANDS : I hereby demand the following, without delay : Immediate and permanent deletion of all fraudulent accounts and inquiries resulting from the XXXX Equifax data breach. A full investigation into all disputed items and the results delivered to me in writing. Written confirmation that these fraudulent accounts will not reappear in any future credit report. Compliance with this request within four ( 4 ) calendar days of receipt of this letter, or it will be deemed willful noncompliance. Enclosed are the following : Copy of government-issued photo ID W2 with Social Security Number included Proof of current address FTC Report Should you fail to act in good faith within the specified timeframe, I will file formal complaints with the CFPB, FTC, and State Attorney General, and I reserve the right to pursue civil litigation for damages under 15 U.S.C. 1681n and 1681o, which allow for statutory and punitive damages in cases of willful or negligent noncompliance. You have been put on notice. Sincerely, [ Your Full Name ]

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