Consumer complaint received 2025-09-15 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:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am writing to formally dispute and demand the immediate removal of all fraudulent accounts, unauthorized inquiries, and identity-theft related tradelines from my credit files with your agencies. I am a confirmed victim of identity theft as documented in my FTC Identity Theft Reports, reference numbers XXXX dated XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), you are legally required to block and delete all information that results from identity theft once notified and provided with proof. I am attaching my FTC Identity Theft Reports, as well as my government-issued identification and Social Security documentation , as verification.

Further, pursuant to 15 U.S.C. 1681i ( Section 611 ), you must conduct a reasonable reinvestigation. Failure to conduct a lawful reinvestigation, or failure to remove these fraudulent accounts, will constitute willful noncompliance, subjecting you to damages under 15 U.S.C. 1681n and 1681o. I also invoke my rights under UCC 1-308, reserving all rights without prejudice. 

My identity has been compromised through multiple data breaches, including those involving Equifax, TransUnion, Experian, XXXX, and XXXX, which have exposed millions of consumers personal data. Your agencies, having acknowledged such breaches, can not ignore the heightened duty of care owed to protect consumers like myself from fraudulent activity. 

Fraudulent Accounts that MUST be Deleted Immediately XXXX XXXXXXXX fraudulent credit card ( {$900.00} ) XXXX XXXX XXXX fraudulent account ( {$1200.00} ) XXXX XXXX ( XXXX & XXXX ) fraudulent accounts ( {$440.00} + {$470.00} ) XXXX XXXX fraudulent auto loan ( {$21000.00} ) XXXX XXXX  fraudulent credit card ( {$120.00} ) XXXX fraudulent credit card ( {$60.00} ) XXXX XXXX fraudulent credit card ( {$7.00} ) XXXX XXXX fraudulent account ( {$0.00} balance, never authorized ) XXXX XXXX  fraudulent account ( {$770.00} ) Unauthorized Hard Inquiries that MUST be Deleted Immediately 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 These accounts and inquiries are fraudulent, unauthorized, and were not initiated, approved, or consented to by me. Under FCRA 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report except for permissible purposes. These inquiries and accounts clearly fail that test. 

Your continued reporting of fraudulent data directly harms me, hindering my ability to secure housing, employment, transportation, and credit. This constitutes defamation, negligence, and violation of federal protections. If you fail to delete these items within 30 days of receipt of this letter, I will have no choice but to pursue relief through arbitration and civil action for damages, including statutory, actual, and punitive damages, under FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws. 

I demand written confirmation of deletion of the above accounts and inquiries, as well as an updated credit report reflecting a corrected file. 

Respectfully, XXXX XXXX XXXX XXXX UCC-1-308 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