Consumer complaint received 2025-07-11 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:
The following unauthorized hard inquiries must be removed : 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 XXXXXX/XX/XXXX The following fraudulent accounts must be deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} ( Over credit limit ) Status : 180 % utilization, 48 % on-time payments fraudulent and unauthorized. 
XXXX. XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance : {$1500.00} Status : 54 % on-time payments unauthorized and linked to ID theft. 
XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX XXXX XXXX {$70.00} XXXX. XXXXXXXX XXXX XXXX {$3500.00} The following collection accounts must be removed : XXXX XXXX XXXX {$89.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$320.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$470.00}, Opened XX/XX/XXXX XXXX XXXX XXXX {$2200.00}, Opened XX/XX/XXXX Legal Basis for Deletion : Under the FCRA 605B [ 15 U.S.C. 1681c-2 ], once a consumer submits proof of identity theft, the credit bureaus must : Block the fraudulent information within 4 business days of receiving documentation.

Notify the furnisher of the information.

Prevent the re-reporting of the blocked data.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 6 ), furnishers are prohibited from reporting fraudulent information after being notified by the consumer or credit bureau .

Under the Uniform Commercial Code ( UCC 3-501 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am asserting my rights to : Demand validation of any debt claimed ; Demand that no further attempts to collect or report unverified or fraudulent debt occur ; Cease and desist from all communication regarding the disputed accounts unless validation is provided.

Requested Action : 1. Immediately block and delete the fraudulent accounts, hard inquiries, and collections from my credit file.

2. Provide written confirmation of the deletions.

3. Send an updated copy of my credit report to the address listed above.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may prompt legal action under FCRA, FDCPA, and other applicable federal laws. 



Thank you for your prompt attention to this urgent matter. I look forward to resolution within the timeframe required by federal law. 

Sincerely, 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