Consumer complaint received 2025-04-06 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, OH XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It XXXX Concern : Re : Formal Dispute of Fraudulent Accounts and Hard Inquiries Identity Theft Case ( FTC Report # XXXX ) I am writing to formally dispute the accuracy and validity of certain debts and hard inquiries listed on my credit report. As a verified victim of identity theft ( FTC Report # XXXX, dated XX/XX/XXXX ), I assert that my personal information was compromised due to major data breaches including XXXX, TransUnion, XXXX, and XXXX. 

Under the Doctrine of Estoppel by Silence, as established in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. ), I may reasonably presume that no valid proof of the alleged debts exists. Therefore, I dispute the following accounts and hard inquiries, and request immediate investigation and corrective action. 



I. Disputed Fraudulent Accounts ( XXXX FTC Report ) XXXX. XXXX XXXX began : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$990.00} XXXX. XXXX XXXX Fraud began : XX/XX/XXXX Amount : {$7200.00} XXXX. Disputed Hard Inquiries These inquiries were not authorized by me and XXXX have been performed during the time my identity was being misused : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data. I formally request the following for any debt associated with the above entries : 1. Verification that I owe this debt ( including signed agreements or contracts ).

2. Complete itemized breakdown of the debt, if it exists.

3. Proof of legal authority to collect the alleged debt.

Please note that under applicable state statutes, you must provide this information within 15 days.

Additionally, under 15 U.S.C. 1692c ( c ) of the FDCPA, I request all communications regarding the above alleged debts cease immediately. Continuing contact will be treated as harassment under federal law.

Lastly, under 15 U.S.C. 605B, I request immediate blocking or deletion of all fraudulent accounts and hard inquiries resulting from identity theft. The law requires this to be done within four business days upon receiving this notice and my FTC Identity Theft Report. 



IV. Enclosures FTC Identity Theft Report # XXXX Copy of government-issued ID ( if applicable ) Proof of address ( if required by CRA ) XXXX you fail to respond within the legally mandated timeframe, I will escalate this to the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and Ohio Attorney XXXX XXXX. 

Please confirm in writing that the fraudulent information has been deleted or corrected, and that any investigations have concluded. 

Sincerely, XXXX XXXX

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