Consumer complaint received 2025-06-18 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:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX Phone : XXXX | XXXX Email : XXXX / XXXX Date : XX/XX/XXXX To : Experian TransUnion Equifax Subject : Formal Identity Theft Dispute Demanding Deletion of Fraudulent Accounts, Inquiries, and Collections | FTC Report XXXX. XXXX & XXXX | Cease & Desist | UCC 1-308 Reservation of Rights To Whom It May Concern, I am writing as a victim of identity theft to formally dispute and demand deletion of all inaccurate, unauthorized, and fraudulent items listed on my credit reports maintained by your bureau. This request is submitted under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) and 1681i ( Reinvestigation of Disputed Information ) and is supported by the official FTC Identity Theft Reports attached with report numbers XXXX and XXXX. 

I. FRAUDULENT ACCOUNTS AND COLLECTIONS TO BE DELETED IMMEDIATELY : As detailed in the FTC reports, the following are fraudulent and were opened or reported without my knowledge, consent, or authorization : CREDENCE RESOURCE MANAGEMENT Fraudulent collection account, {$860.00} THE RECEIVABLE MANAGEMENT SERVICES Fraudulent collection account, {$530.00} XXXX XXXX XXXX Fraudulent collection account, {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX collection, {$590.00} XXXX XXXX XXXX Fraudulent auto loan, {$17000.00} XXXX XXXX Fraudulent credit card XXXX  Unauthorized collection XXXX Unauthorized collection XXXX. FRAUDULENT HARD INQUIRIES TO BE DELETED IMMEDIATELY : The following unauthorized credit inquiries were made without permissible purpose in violation of 15 U.S.C. 1681b, and must be deleted : XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX These inquiries are harmful and were made without my knowledge, constituting a violation of the FCRA and potentially the GLBA and FDCPA. 

XXXX. LEGAL BASIS FOR MY DEMAND : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and delete all information resulting from identity theft within 4 business days of receiving proof of identity theft. I have attached : Official FTC Identity Theft Reports ( with personal statement and list of accounts ) My contact information A clear identification of disputed items Furthermore, under 15 U.S.C. 1681s-2 ( a ), furnishers must not report inaccurate information. Under 1681g and 1681i, you are required to conduct a reasonable reinvestigation, notify me of the results, and provide a corrected report. 

IV. RESERVATION OF RIGHTS & CEASE AND DESIST : In accordance with UCC 1-308, I reserve all rights without prejudice. I demand that you cease and desist from reporting, verifying, or furnishing any of the above-mentioned fraudulent information. Continuing to do so knowingly and negligently will constitute willful noncompliance under 1681n and 1681o, and I reserve the right to pursue all available monetary remedies and civil damages for your failure to comply. 



DEMAND FOR ACTION : I am requesting the immediate deletion of all fraudulent accounts, collections, and inquiries listed above from my credit file. Failure to comply within the required timeframe will result in legal action. 

Please provide me with : A full summary of the results of your reinvestigation A copy of my updated credit report reflecting deletions The name and contact information of any furnisher or entity you contacted during your investigation Send your response in writing to the address above. 

Sincerely, 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