Consumer complaint received 2025-04-30 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, OH XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Fraudulent Account and Inquiries Violation of 15 U.S.C. 1681s-2, 1692c ( c ), and 605B I am writing to formally dispute the fraudulent and unauthorized information currently appearing on my credit report, in particular : 1. Collection Account : Creditor : XXXX XXXX  Opened : XX/XX/XXXX Amount : {$26000.00} FTC Report Reference : Multiple Identity Theft Reports filed under the name XXXX XXXX including FTC Report XXXX. XXXX, XXXX, XXXX, and XXXX XXXX. Unauthorized Hard Inquiries : As documented in my identity theft reports and captured in the photos attached to this letter, the following inquiries were made fraudulently and without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX These inquiries and accounts were made without my knowledge or authorization and were the result of identity theft related to the XXXX, TransUnion, and XXXX XXXX breaches. I am exercising my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I demand immediate action. 



I. Debt Validation Request ( 15 U.S.C. 1681s-2 & FDCPA 809 ) I demand full validation of the XXXX XXXX  account XXXX including : A full itemized accounting of the debt ; Signed contractual agreement bearing my personal signature ; Proof of your legal authority to collect the alleged debt. 

If you previously verified this account with a credit reporting agency, I am requesting the method of verification and documentation relied upon in that investigation. Failure to conduct a reasonable investigation in accordance with FCRA obligations constitutes a violation of 15 U.S.C. 1681i ( a ).

II. Identity Theft Block Request ( 15 U.S.C. 605B ) As the FTC Identity Theft Reports clearly demonstrate, this account and the resulting inquiries were the product of fraud. You are hereby notified under 605B that this item must be permanently deleted from my credit report within 4 business days, per federal law. Continued reporting of this item after receiving formal notice constitutes willful noncompliance.

III. Cease and Desist Under 15 U.S.C. 1692c ( c ) Effective immediately, I am invoking my right under the FDCPA to cease all communication about this alleged debt. Any further attempts to contact me will be treated as harassment and reported. 



IV. Demand for Deletion and Compensation Due to the severe emotional stress, reputational harm, and lost opportunities this fraudulent account has caused me, I am demanding : Immediate deletion of the XXXX XXXX  collection account and all related inquiries from all credit bureaus ; Written confirmation of deletion ; Compensation for damages caused by the continued reporting of false information, as allowed under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. 



If I do not receive satisfactory documentation or resolution within 15 days, I will escalate this matter to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office Initiate a civil lawsuit for statutory and punitive damages This letter shall serve as a formal dispute, cease communication request, and identity theft block demand. Please govern yourselves accordingly. 

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