Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Dispute of Fraudulent Activity and Hard Inquiry on My Credit Report FTC ID Theft Report # XXXX Dear [ Equifax/TransUnion/Experian ] , I am writing to formally dispute the accuracy and validity of certain information that appears on my credit report, including a hard inquiry by XXXX XXXX XXXX on XX/XX/XXXX and several unauthorized accounts reported by third parties. My personally identifiable information may have been compromised in the Equifax, TransUnion, and XXXX data breaches, and I have reason to believe that I am a victim of identity theft. 

Attached is a copy of my official FTC Identity Theft Report ( Report # XXXX ), filed on XX/XX/XXXX, which details the following fraudulent activity : XXXXXXXX XXXX XXXX Unauthorized hard inquiry XXXX XXXX XXXX XXXX XXXX loan ( began XX/XX/XXXX ) XXXX XXXX XXXX Fraudulent personal/business loan ( began XX/XX/XXXX ) XXXX XXXX XXXX  Fraudulent collection account ( began XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information are required to ensure maximum accuracy of the data they report. I am requesting the following : 1. Proof of the alleged debt, including a detailed itemization of charges.

2. Copies of any signed contracts or agreements bearing my signature.

3. Verification that the reporting party has legal authority to report or collect this debt. 

Under the Doctrine of Estoppel by Silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, if you fail to provide such documentation, I am entitled to presume that the debt does not exist and therefore must be removed.

I also invoke my rights under 15 U.S.C. 605B, which requires the immediate blocking or deletion of fraudulent information from credit reports within four business days of receiving evidence of identity theft. Please treat this as a formal identity theft dispute and act accordingly.

Additionally, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that any collection agencies cease all communication regarding these accounts. Any further attempts at contact will be treated as harassment and reported as a violation of federal law.

I expect the following actions within the time frames mandated by law : Immediate investigation and deletion of the disputed accounts and inquiry.

Written confirmation that these items have been removed or corrected.

A copy of my corrected credit report sent to my address above.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Attorney General of Alabama. 

Please find enclosed : A copy of my FTC Identity Theft Report A copy of the credit inquiry in question A copy of my ID and proof of address ( to be included when mailing ) 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