Consumer complaint received 2025-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute, Identity Theft, Late Payment Inaccuracy, and Violation of Consumer Protection Laws Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX To Whom It May Concern, This is a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding the immediate investigation and deletion of inaccurate, unverifiable, and fraudulent information listed on my credit report, pursuant to 15 U.S.C. 1681s-2, 1681i ( Section 611 ), 1681g ( Section 609 ), 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c-2 ( Section 605B ), and other relevant federal statutes. 



XXXX. Identity Theft Accounts and Collections Must Be Deleted Immediately I am a documented victim of identity theft, as outlined in my official FTC Identity Theft Report # XXXX, dated XX/XX/XXXX. The following fraudulent accounts were opened or placed without my knowledge or consent, and were likely a result of known data breaches involving XXXX, TransUnion, Equifax, Experian, XXXX, and others : XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$310.00} These accounts are fraudulent and must be permanently deleted from all consumer reporting files under FCRA 605B. The law clearly states that a consumer may block any information resulting from identity theft with proper documentation, which I have provided. 



XXXX. XXXXXXXX XXXX Inaccurate Late Payment History Must Be Corrected The account with XXXX XXXX, opened on XX/XX/XXXX, and paid in full with a {$0.00} balance, is reporting a pattern of late payments in XXXX and XXXX that are inaccurate, unverifiable, and damaging. 

According to the FCRA : 602 ( A ) You are required to report only accurate and verifiable information.

611 I have the right to dispute and request deletion of incomplete or inaccurate information.

609 ( A ) ( 1 ) I have the right to request the method of verification for these alleged late payments. 
XXXX ( B ) The data furnisher ( XXXX ) is required to investigate this dispute within 30 days and respond with proper documentation or delete the disputed information. 

I demand : That all late payments associated with this XXXX XXXX  account from XXXX and XXXX be deleted and reported as Paid as Agreed or Never Late. 
That you provide the complete method of verification used to confirm the reporting of these late payments. 
That failure to verify and correct this information will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Ohio Attorney General, and potential civil claims for negligence in maintaining and correcting inaccurate data. 



Legal Reminder Under federal law, you are required to block and delete any information resulting from identity theft when a proper report is submitted under 15 U.S.C. 1681c-2 ( FCRA 605B ). Additionally, any failure to verify late payment history under 609 ( a ) ( 1 ) or complete investigation within 30 days under 611 constitutes a violation of federal law. 



Attached Documents for Verification : Official FTC Identity Theft Report # XXXX ( Signed ) Screenshots of XXXX account with XXXX balance and late payment pattern Evidence of known data breaches involving XXXX and credit bureaus Resolution Demanded : Immediate deletion of fraudulent accounts : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX of inaccurate late payment history on XXXX XXXX to reflect never late or paid as agreed Written confirmation of the actions taken within 30 days, as required by law Failure to comply with these legal obligations may subject your agency to further enforcement actions and private right of action under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX 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