Consumer complaint received 2025-07-29 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : [ Insert Date ] To : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Subject : Urgent Request for Deletion of Fraudulent Accounts and Inquiries Identity Theft ( XXXX Ending in XXXX ) To Whom It May Concern, I am writing to demand the immediate deletion of fraudulent accounts and unauthorized inquiries that have been reported on my credit file as a result of identity theft. Your continued reporting of these items without verification violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal laws.

Legal Grounds for Dispute 15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without consumer authorization.

18 U.S.C. 1028A : Criminalizes the fraudulent use of identity and mandates corrective action by affected parties.

15 U.S.C. 1681c-2 : Requires blocking of fraudulent data within 4 business days of receiving proper documentation.

15 U.S.C. 1681e ( b ) & 1681i ( 5 ) : Mand
ates maximum accuracy and reinvestigation of disputed data.

15 U.S.C. 1692g : Requires debt collectors to notify the consumer in writing within 5 days of first contact.

Section 623 : Requires furnishers of information to provide a dispute address or remove unverifiable accounts. 

Unauthorized Hard Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX Unauthorized must be removed. 

XXXX XXXX XXXX Date : XX/XX/XXXX Unauthorized must be removed. 

XXXX XXXX Date : XX/XX/XXXX Unauthorized must be removed. 

Fraudulent or Improperly Reported Accounts XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improper collection account ; no dispute address listed. Remove immediately per Section XXXX. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of 1692g no proper validation notice. I do not recognize or validate this debt. 

XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Improper collection account ; remove under Section XXXX. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and unverified information ; violates 1681e ( b ) and 1681i ( 5 ). Must be corrected or removed. 

XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate false reporting misleading and non-compliant. Must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and misleading in violation of 15 U.S.C. 1681. Must be corrected or removed.

Required Action Pursuant to federal law, you are required to : Remove all listed inquiries and accounts within 4 business days of receiving this dispute Send an updated copy of my credit report showing the deletions Cease reporting of unverifiable, unauthorized, or fraudulent data Supporting Documents Enclosed Government-issued photo ID Utility bill for proof of address Copy of Social Security card FTC Identity Theft Report Notice of Further Action If you fail to correct or delete the disputed information within the legal timeframe, I will file formal complaints with the : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) XXXX XXXX XXXX XXXX XXXX XXXX Florida Attorney Generals Office I also reserve the right to take legal action for damages resulting from negligent reporting and failure to comply with FCRA and related consumer protection statutes.

I expect your swift compliance and written confirmation that the disputed items have been removed. 

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