Consumer complaint received 2025-02-16 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:
Subject : Formal Dispute for Deletion of Inaccurate and Fraudulent Accounts To Whom It May Concern, I am formally disputing the accuracy of certain accounts reported on my credit file. My personal information may have been compromised due to the Equifax, TransUnion, and XXXX data breaches, as documented in my Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), attached for reference. Under the Doctrine of Estoppel by Silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt exists, and therefore, the debt itself is unsubstantiated. 

I am invoking my rights under 15 U.S.C. 1681s-2, which mandates the accuracy of reported debts. The accounts in question are inaccurately reported across all three major credit bureaus, and I demand their immediate removal. 

Requested Documentation In accordance with [ Applicable State Statute ], which requires a 15-day validation period, I request the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a full breakdown of the original amount, accrued interest, fees, and any charges.

2. Copies of any signed agreements or contracts that establish my responsibility for this debt.

3. Evidence that your company has the legal standing to collect this debt.

Failure to provide this documentation within the required timeframe will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Cease and Desist Request Additionally, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that all communication from the debt collector regarding this matter cease immediately. Continued contact after receipt of this request may constitute a legal violation.

Fraudulent Accounts to Be Deleted As per 15 U.S.C. 605B, inaccurate information related to identity theft must be blocked or deleted immediately without a 30-day investigation. The following accounts are fraudulent and must be removed : 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, Amount : {$780.00} ) These fraudulent accounts appear across multiple bureaus with discrepancies in reporting, further proving their inaccuracy. 

Legal Consequences If these fraudulent accounts are not immediately removed, I will hold each credit bureau legally responsible for violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). This may result in legal action against both the credit bureau and the creditor for failing to comply with federal laws. 

I expect prompt compliance with these legal requirements. Please provide written confirmation once these fraudulent accounts have been deleted. 

Respectfully XXXX XXXX UCC-1-308 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