Consumer complaint received 2025-06-25 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Identity Theft Dispute and Demand for Immediate Deletion FTC Report # XXXX To Whom It May Concern : I am formally disputing the inaccurate and fraudulent information listed on my credit reports maintained by your bureau. I am a verified victim of identity theft as documented in FTC Identity Theft Report # XXXX, filed on XX/XX/XXXX. 

This letter is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Consumer Credit Protection Act, the Uniform Commercial Code 1-308 ( Without Prejudice ), and related consumer protection statutes. 

Disputed Items : XXXX. XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX This inquiry was made without my authorization and is linked to fraudulent activity. It must be deleted immediately. 
XXXX. XXXX XXXX Account opened XX/XX/XXXX, discovered XX/XX/XXXX {$920.00} XXXX. XXXX XXXX Account opened XX/XX/XXXX, discovered XX/XX/XXXX {$2900.00} Both are confirmed fraudulent per the FTC Identity Theft Report and are damaging my financial standing. 

These accounts were opened and used by identity thieves. I never authorized these applications or transactions. I am also invoking my rights under 15 U.S.C. 1681c-2 ( FCRA 605B ), which gives identity theft victims the right to block fraudulent information from their credit file. You are legally obligated to permanently delete all information related to these fraudulent accounts and inquiries within 4 business days of receiving this letter and the accompanying identity theft documentation.

Additionally, any re-reporting or reinsertion of this information without proper notification per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) is a direct violation of federal law and subject to legal consequences.

Legal Citations : 15 U.S.C. 1681s-2 Duty of furnishers to report accurate information 15 U.S.C. 1681c-2 ( FCRA 605B ) Identity theft block 15 U.S.C. 1692c ( c ) Cease and desist request UCC 1-308 Reservation of rights without prejudice Doctrine of Estoppel by Silence Engelhardt v. Gravens, 281 SW 715, 719 ( MO ) Demand for Relief : Immediate and permanent deletion of the fraudulent inquiry and accounts listed above from my credit file Written confirmation of deletion and updated credit reports from all three bureaus within 30 days Investigation records and method of verification used for any previous reinsertion or validation Compensation for damages caused by inaccurate reporting, including emotional distress, financial strain, and reputational harm Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may include legal action seeking damages under 15 U.S.C. 1681n and 1681o.

This is your official notice to cease and desist any further reporting or furnishing of this fraudulent information. Further violations will be treated as willful noncompliance. 

Respectfully, XXXX XXXX FTC Report # : 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