Consumer complaint received 2025-05-17 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX Phone : ( XXXX ) XXXX | ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX. XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Identity Theft Dispute Permanent Deletion of Fraudulent Accounts, Inquiries & Personal Information under FCRA, FACTA, and Supporting Authority To Whom It May Concern : I am submitting this formal dispute and demand for the permanent deletion of fraudulent accounts, unauthorized hard inquiries, and inaccurate personal data that have been reported on my credit file. I am a documented victim of identity theft, as reflected in FTC Identity Theft Reports # XXXX and # XXXX. The presence of this false information on my reports constitutes a direct violation of federal consumer protection laws. 



I. FRAUDULENT CREDIT INQUIRIES REMOVE IMMEDIATELY These inquiries were made without my authorization or consent and must be deleted from all three credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These violate 15 U.S.C. 1681b ( c ) which prohibits access to a consumer report without explicit authorization.

II. FRAUDULENT ACCOUNTS PERMANENT DELETION REQUIRED The following accounts were opened without my knowledge or consent. I had no involvement in these accounts : XXXX XXXX Opened XX/XX/XXXX Amount : {$1000.00} XXXX  XXXX Opened XX/XX/XXXX Amount : {$640.00} XXXX XXXX  Opened XX/XX/XXXX Amount : {$550.00} XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$4900.00} XXXX  ( Student Loan ) Opened XX/XX/XXXX Amount : {$710.00} XXXX  Opened XX/XX/XXXX Amount : {$2500.00} XXXX  Opened XX/XX/XXXX Amount : {$7000.00} XXXX XXXX Opened XX/XX/XXXX Amount : {$920.00} Under 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ), you are required to block identity theft-related information from consumer files within four ( 4 ) business days of receiving proper documentation. This letter, along with my FTC Reports, fulfills those requirements.

III. FRAUDULENT NAMES & ADDRESSES REMOVE IMMEDIATELY The following personal information has been falsely attached to my identity and must be removed : Incorrect Names : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of personal information reported.

IV. LEGAL RIGHTS AND ENFORCEMENT I am invoking the following rights under federal law : 15 U.S.C. 1681s-2 Furnishers must report accurate and verifiable data.

15 U.S.C. 1681g I have the right to a full disclosure of all data held about me.

15 U.S.C. 1681i I have the right to dispute inaccuracies and require timely reinvestigation.

15 U.S.C. 1681c-2 ( Section 605B ) You must block fraudulent data related to identity theft.

Engelhardt v. Gravens ( Mo ) 281 S.W. 715, 719 Under the Doctrine of Estoppel by Silence, your failure to verify constitutes presumed admission that no such debt or obligation exists. V. DEMANDS 1. Permanently delete all fraudulent accounts listed above from my credit file.

2. Remove all unauthorized inquiries immediately.

3. Correct all false names and addresses tied to my report.

4. Provide a new, corrected copy of my credit report reflecting these changes.

5. Confirm in writing that all actions required under FCRA have been completed within 30 days.

If you fail to comply, I will file formal complaints with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and consider pursuing civil legal action for damages. 

I need : Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt Sincerely, 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