Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14185175
Complaint Overview
Complaint ID: 14185175
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: Michigan
ZIP Code: 48234
Date Received: 2025-06-19T12:00:00-05:00
Date Sent to Company: 2025-06-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX, XXXX XXXX, Chair, FederalTradeCommission XXXX, ActingComptrolleroftheCurrency Subject : Unconditional Demand for Immediate, Complete Deletion of Fraudulent Inquiries & Accounts from All Credit ReportsFederal Statutory Violations, Legal Penalties, Binding Case Law, and Doctrinal Mandates ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) To the PrivacyCompliance Department and all responsible parties regarding the following fraudulent items : * * Overview of Fraudulent Items ( Sentence Format ) : The fraudulent activity encompasses inquiries and accounts, specifically : 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 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 account opened XXXX. ( If any additional dates or details are required for accurate identification, you are obligated to request them within the statutory investigation window. ) ) ) This letter is a firm and irrevocable demand for the immediate, permanent deletion of all information concerning the abovereferenced fraudulent inquiries, accounts, and public record from my credit files maintained by Experian, Equifax, and TransUnion. The continued presence of these itemsdespite clear documentation ( FTCIdentityTheftReportNoXXXX ) proving they resulted from identity theftviolates multiple federal statutes, binding case law, and longstanding doctrinal principles that universally condemn falsehoods and require prompt restitution. Below is nonexhaustive authority supporting this demand : Fair Credit Reporting Act ( FCRA ) 15U.S.C.1681e ( b ) MaximumPossibleAccuracy Requirement ( Penalty : XXXX XXXXXXXX item ). XXXX ( XXXX ). 15U.S.C.1681c Obsolete & Outdated Information ( Penalty : $ XXXX item ). XXXX XXXX XXXX ( XXXX ). XXXX Failure to Conduct Reasonable Investigation ( Penalty : $ XXXX item ). XXXX ( XXXX ). 15U.S.C.1681s2 ( a ) Furnishing False Information ( Penalty : $ XXXX item ). XXXX ( XXXX ). Truth in Lending Act ( TILA ) Misrepresentation of credit obligations undermines the transparency mandates of TILA. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( No one may unlawfully harm the good reputation which a person enjoys ) and XXXX reinforce civil liability for reputational injury. XXXX XXXX XXXX condemns false balances, underscoring the moral imperative for truthful reporting. Statutory Penalty ExposureEach fraudulent entry constitutes an independent statutory violation. Penalties accrue per item, per bureau, and per statutory provision. With 21 disputed items across three nationwide consumerreporting agencies, your potential exposure easily exceeds six figures in statutory damages before punitive and actual damages are considered. Final Demand & TimeSensitive Notice Delete every item listed above from all consumerreporting databases within fifteen ( 15 ) calendar days of receipt of this notice. Provide written confirmation of each deletion, along with an explanation of your investigation methodology and the names & addresses of any third parties contacted, as required by 15U.S.C.1681i ( a ) ( 6 ) ( B ) ( iii ). Failure to comply will trigger immediate complaints to the FTC, CFPB, OCC, and the Michigan Attorney General, and will expose all liable parties to civil litigation for damages, attorneys fees, and costs. I expressly reserve all rights and remedies under federal and state law.
Frequently Asked Questions
What is Complaint #14185175 about?
Complaint #14185175 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-19T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.