Consumer complaint received 2025-02-18 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 : Urgent Request for Deletion of Fraudulent Accounts and Hard Inquiries Due to I am formally disputing and requesting the immediate deletion of fraudulent accounts and hard inquiries that have appeared on my credit report due to identity theft. 

My personal information may have been compromised in the Equifax, TransUnion, and Marriott Data Breaches, which could have resulted in unauthorized activity on my credit profile. 

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 debts exists and that these accounts and inquiries must therefore be removed immediately. 

Fraudulent Hard Inquiries to be Removed The following unauthorized hard inquiries have negatively impacted my credit and must be deleted immediately : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Promax/Hyundai of XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts to be Removed Additionally, the following fraudulent accounts were opened in my name without my consent and must be deleted immediately : XXXX. XXXX XXXX XXXX  XXXX ( Opened : XX/XX/XXXX | XXXX : {$2700.00} ) XXXX. XXXX XXXX ( Opened : XX/XX/XXXX | XXXX : {$2700.00} ) XXXX. XXXX XXXX I ( Opened : XX/XX/XXXX | Amount : {$190.00} ) Legal Basis for Removal I invoke the following federal statutes that mandate the immediate deletion of these fraudulent items : 1. 15 U.S.C. 1681s-2 Accuracy of Credit Reporting I am challenging the accuracy of the fraudulent accounts and inquiries under the Fair Credit Reporting Act ( FCRA ). These unauthorized entries are inconsistent across multiple credit bureaus, demonstrating unreliability. I demand that you provide within 15 days : Proof that I legally owe the debts, including a breakdown of all charges. 
Copies of any signed contracts or agreements that establish my liability. 
Evidence that your company has legal standing to collect or report these debts. 

Failure to provide this documentation within the legal timeframe will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

2. 15 U.S.C. 1692c ( c ) Cease Communication Request Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to demand that all communication regarding these fraudulent accounts and inquiries cease immediately.

Additionally, I request that you : Conduct a full investigation into the accuracy of these reports. 
Provide written confirmation that these items have been removed from my credit file. 

3. 15 U.S. Code 605B Identity Theft Protection As per federal law, identity theft-related inaccuracies must be removed immediatelywithout a 30-day investigation. You are legally required to delete fraudulent information from my credit file promptly upon receiving this notice.

Final Warning Failure to remove these fraudulent entries will result in legal action against [ Credit Bureau/Company Name ] for violating federal consumer protection laws. I will also escalate my complaint to the CFPB, FTC, and State Attorney General if these fraudulent accounts and inquiries are not promptly deleted. 

Please provide written confirmation of deletion at your earliest convenience. Thank you for your immediate attention to this serious matter. 

Respectfully XXXX XXXX XXXX UCC-1-308

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