Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ Insert Todays Date ] To : Experian P.O. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Dispute Formal Request for Immediate Deletion and Cease & Desist of Fraudulent Reporting Dear Credit Reporting Agency, I am writing to formally dispute and demand the immediate removal of fraudulent accounts, inquiries, and personal data appearing on my credit file as a direct result of identity theft. Attached is my Federal Trade Commission Identity Theft Report ( FTC Report # XXXX ), which details the extensive fraud committed using my personal information. 

According to 15 U.S. Code 1681c-2 ( FCRA 605B ), you are required to block and remove any information that resulted from identity theft within four business days of receiving proper documentation, including : My official FTC Identity Theft Report A list of the fraudulent accounts and inquiries My sworn statement under penalty of perjury The following fraudulent accounts and inquiries were opened or made without my knowledge, authorization, or consent : Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Amount : {$370.00XXXX XXXX XXXX  XXXX Opened XXXX XX/XX/XXXX | Amount : {$420.00} XXXX Opened : XX/XX/XXXX | Amount : {$880.00} XXXX Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX | Amount : {$3900.00} Unauthorized Credit Inquiries to Be Deleted : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX NC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate information to a consumer reporting agency. Continuing to report these accounts, despite being notified of identity theft and furnished with an FTC Report, constitutes willful noncompliance and subjects your agency to statutory damages. 

Further, under XXXX XXXX Code XXXX ( c ) and XXXX ( b ) of the FDCPA, I am asserting my right to request that any collection attempts on these fraudulent accounts cease and desist immediately. You are to cease all direct or indirect attempts to validate or collect on these accounts. I reserve the right to pursue legal action if any party fails to comply. 

Additionally, under XXXX XXXX, I am asserting my rights without prejudice and without waiver of any legal remedy. You are hereby given notice of liability. Should this matter not be resolved immediately, I reserve the right to seek statutory damages under XXXX XXXX XXXX XXXX and XXXX, including but not limited to {$1000.00} per violation, punitive damages, attorneys fees, and court costs. 

DEMAND FOR RELIEF : XXXX. XXXX deletion of the fraudulent accounts and inquiries listed above. 
XXXX. Correction of any derogatory or false information resulting from this theft. 
XXXX. Written confirmation that the deletions have been completed. 
XXXX. XXXX of all collection activity and forwarding of this notice to any third parties. 
XXXX. Permanent security freeze and fraud alert on my file unless waived in writing. 

This letter serves as formal notification under federal law. Failure to comply will result in further legal action. 

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