Consumer complaint received 2025-07-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Fraudulent Accounts and Inquiries Violations of 15 U.S.C. 1681s-2, 1681e ( b ), 605B, and 1692c ( c ) I am writing to formally dispute and demand the immediate deletion of the following fraudulent accounts and hard inquiries listed on my credit report. My personal information was compromised as a result of the Equifax, TransUnion, and XXXX data breaches, and has led to the fraudulent activities detailed in the attached FTC Identity Theft Reports and supporting documentation.

Under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( MO ) 281 S.W. 715, 719, if no proof of debt exists, I may presume that no such debt exists.

Additionally, I invoke my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), particularly : 15 U.S.C. 1681s-2 ( Furnishers Duty to Report Accurate Information ) 15 U.S.C. 1681e ( b ) ( Requirement for Maximum Possible Accuracy ) 15 U.S.C. 605B ( Blocking Information Resulting from Identity Theft ) 15 U.S.C. 1692c ( c ) ( Cease and Desist of Communications ) Fraudulent Hard Inquiries to be Deleted : 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 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 XXXXXX/XX/XXXX Fraudulent Accounts to be Deleted ( Based on Identity Theft Reports ) : XXXXXXXX XXXX XXXX XXXX Fraud Amount : {$5500.00} XXXX XXXX XXXX XXXX Fraud Amount : {$16000.00} XXXX XXXX XXXX XXXX Fraud Amount : {$0.00} XXXX Credit Card Fraud Amount : {$580.00} XXXX XXXX XXXXXXXX Credit Card Fraud Amount : {$2300.00} XXXX XXXX XXXX Fraud Amount : {$0.00} XXXX XXXX Fraud Amount : {$0.00} XXXXXXXX XXXX XXXX Fraud Amount : {$0.00} XXXX XXXXXXXX XXXX Fraud Amount : {$0.00} XXXX  XXXX XXXX XXXX XXXX Fraud Amount : {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX ( Second Report ) Fraud Amount : {$38000.00} XXXX  XXXX XXXX Fraud Amount : {$710.00} Demand for Immediate Action : Pursuant to 15 U.S.C. 605B, you are required to block or remove all fraudulent information related to identity theft within 4 business days of receipt of this dispute along with the supporting FTC reports.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office for each violation, as well as pursuing private legal remedies.

Additionally, as required under 15 U.S.C. 1692c ( c ), I hereby demand no further communication from any debt collector regarding these fraudulent debts.

Attached Documents : FTC Identity Theft Reports ( Reference Nos. XXXX, XXXX, XXXX, and XXXX ) Screenshots of the fraudulent hard inquiries Fraudulent account summaries from FTC reports I expect a written confirmation within 15 days that all fraudulent items have been permanently removed from my credit file.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice

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