Consumer complaint received 2025-02-13 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:
Subject : Identity Theft Report and Request for Immediate Deletion of Fraudulent Accounts and Inquiries To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts and credit inquiries that have appeared on my credit report due to identity theft. My personal information was compromised in the Equifax, TransUnion, Experian, and XXXX data breaches, which may have led to the unauthorized use of my identity. 

Under the Doctrine of Estoppel by Silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

Fraudulent Accounts and Credit Inquiries According to the FTC Identity Theft Reports ( Report XXXX XXXX XXXX XXXX XXXX XXXX, the following accounts were fraudulently opened in my name 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 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 Immediate Deletion Title 15 U.S.C. 1681s-2 I challenge the accuracy of these debts. Under applicable state and federal laws, I request that you provide, within 15 days, the following documentation : 1. Proof that I owe this debt, including a detailed breakdown of the amount, any interest, fees, and charges. 
2. Copies of any signed agreements or contracts pertaining to these accounts.

3. Evidence that your company has legal standing to collect these debts.

Failure to provide this documentation within the legal timeframe will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies.

Title 15 U.S.C. 1692c ( c ) Cease and Desist Request Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that all debt collection communications cease immediately regarding these fraudulent accounts. 

Additionally, I request that you : 1. Investigate and verify the accuracy of these fraudulent debts.

2. Confirm in writing that these accounts have been removed from my credit file.

Mandatory Deletion under U.S. Code 605B According to federal law, inaccuracies related to identity theft must be blocked or deleted immediately upon receipt of appropriate documentationwithout subjecting my dispute to a 30-day investigation. Given the enclosed FTC Identity Theft Reports, I expect compliance with this legal requirement. 

Failure to remove these accounts will hold your agency legally responsible for violations of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

I expect a written response confirming the deletion of these fraudulent accounts within the legal timeframe. If these items are not removed, I will pursue all available legal remedies, including filing lawsuits against your company and reporting violations to federal agencies.

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