Consumer complaint received 2025-12-02 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:
IDENTITY-THEFT DISPUTE & DELETION DEMAND LETTER To : Experian TransUnion Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX RE : Formal Notice of Identity Theft Mandatory Deletion & Blocking of Fraudulent Accounts, Inquiries, and Derogatory Data Under Federal Law FTC Identity Theft Report # : XXXX ( Attached as evidence ; see pages XXXX of both reports ) I. NOTICE OF RIGHTS UNDER FEDERAL LAW This letter serves as a formal, legally binding request pursuant to : Federal Law Requirements FCRA 15 U.S.C. 1681c-2 ( 605B ) Identity-theft victims have the absolute right to have fraudulent accounts and inquiries BLOCKED within 4 business days of receiving an FTC Report.

FCRA 15 U.S.C. 1681s-2 Data furnishers are prohibited from reporting information they know or should know is fraudulent.

FCRA 15 U.S.C. 1681i Credit bureaus must conduct a reasonable investigation and delete unverifiable information. 
FACTA ( Fair & Accurate Credit Transactions Act ) Mandates immediate blocking of identity-theft data.

15 U.S.C. 1666b Unlawful billing of unauthorized charges.

UCC 1-308 Reservation of rights ; I do not waive any rights by corresponding.

GLBA ( Gramm-Leach-Bliley Act ) Security Requirements You are responsible for failing to safeguard my data from breaches. 
FERPA Because breached student-loan-related data exposed my personally identifiable educational information. 
HIPAA For any medical-related collection ( XXXX XXXX XXXX ) reported without consent. 
FDCPA 15 U.S.C. 1692e & 1692f Prohibits false, misleading, or unfair reporting by any collector. 

You are legally required to block, delete, and cease reporting all fraudulent and identity-theft-related information listed below within XXXX business days, not XXXX. 



XXXX. DOCUMENTED FRAUD FROM FTC REPORTS ( Your Evidence ) The following fraudulent accounts, loans, and inquiries were documented in my official FTC Identity Theft Reports : ( You have the full reports attached. ) A. Fraudulent Credit Accounts XXXX. XXXX XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$300.00} This must be blocked immediately under FCRA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$610.00} HIPAA violation I never authorized release of medical billing information. Mandatory deletion. 

XXXXXXXX XXXX XXXX XXXX ( Student Loan ) Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$920.00} Student-record-linked identity theft XXXX breach + data-breach exposure. Must be deleted. 

XXXX. XXXX XXXX ( Auto Loan ) Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$0.00} ( Still FRAUDULENT ) Unauthorized auto account must be blocked. 

XXXX. XXXX XXXX ( XXXX ) XXXX began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$3800.00} Identity-theft loan. Delete immediately. 

XXXX XXXX XXXX  ( Collection ) Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$3900.00} Fraudulent collection FDCPA & FCRA violations. 

XXXX. XXXX ( XXXX XXXX ) XXXX began : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$500.00} Identity-theft account delete and block. 



B. Fraudulent Hard Inquiries ( All Must Be Removed ) As documented in the FTC reports on pages XXXX Fraudulent Inquiries Include : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX All inquiries were unauthorized, fraudulent, and directly linked to the identity theft documented in the attached FTC Reports XXXX 
Mandatory removal required under : FCRA 605B FACTA Identity Theft Protections XXXX XXXX Failure Liability XXXX. DATA BREACH DISCLOSURE Your own records show exposure to the following data breaches, which further supports fraud claims : TransUnion breach Equifax breach Experian breach XXXX XXXX  XXXX XXXX XXXX breach XXXX breach This is documented clearly in the Identity Theft Report ( page XXXX ). 


Because my data was compromised, any accounts that appeared afterward are presumed fraudulent. 



IV. LEGAL DEMAND FOR IMMEDIATE ACTION Under FCRA 605B, you must do the following within 4 business days : 1. Block and Delete All Fraudulent Accounts Listed Above 2. Remove All Fraudulent Hard Inquiries 3. Notify All Furnishers to Cease Reporting 4. Send Me Updated Credit Reports Showing Deletion Failure to comply will result in : Monetary damages under 15 U.S.C. 1681n & 1681o ( statutorily between {$1000.00} {$5000.00} per violation, plus actual damages ) Complaints filed with : CFPB FTC State Attorney General U.S. Department of Education ( FERPA ) U.S. Department of Health & Human Services ( HIPAA ) Private civil litigation I am willing to settle this matter immediately if everything is deleted and permanently blocked without further delay. 



V. REQUIRED RESPONSE Send confirmation of deletion and blocking to : XXXX XXXX Email : XXXX Phone : XXXX VI. RESERVATION OF RIGHTS ( UCC 1-308 ) I reserve all rights without prejudice and do not waive any protections under state or federal law.

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