Consumer complaint received 2025-07-31 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 ( XXXX ) XXXX XXXX Date : XX/XX/XXXX TO : Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : URGENT Identity Theft Dispute & Deletion Demand Fraudulent Auto Inquiries & Accounts ( FCRA 605B, FDCPA, UCC 1-308 ) To Whom It May Concern, This letter is a formal identity theft dispute and legal notice concerning the fraudulent accounts and hard inquiries reporting on my credit files. Enclosed is my signed FTC Identity Theft Report ( # XXXX ) and supporting documentation. These accounts were not opened, authorized, or initiated by me, and were the result of identity theft, likely tied to several widely documented data breaches, including those at Equifax, Experian, TransUnion, XXXX, and XXXX. 

FRAUDULENT AUTO-RELATED INQUIRIES ( HIGH PRIORITY ) : The following unauthorized auto-related hard inquiries appeared on my credit report : XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXXXXXX  ( TransUnion ) I have no knowledge of these dealerships, nor did I authorize them to pull my credit or submit financing applications. These inquiries appear to be linked to a fraudulent attempt to purchase a vehicle in my name which I never pursued. 

Let me be clear : These inquiries were unauthorized, fraudulent, and are harming my credit standing. 
I demand immediate deletion under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), which mandates blocking of fraudulent data within four business days of receiving this report.

Continued reporting constitutes a willful violation of the FCRA, FDCPA ( 15 U.S.C. 1692e ), and may trigger further action.

OTHER FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XX/XX/XXXX ( TransUnion ) : Fraudulently opened, never authorized. 
XXXX XXXX XX/XX/XXXXXXXX  ( Equifax ) : Reported in collections I did not apply for or open this account. 
XXXX XX/XX/XXXX : Unauthorized mobile account opened during the identity theft period. 
XXXX XXXX XX/XX/XXXX ( XXXX & XXXX ) : Opened fraudulently. This account has multiple references in my identity theft report. 



LEGAL VIOLATIONS AND RIGHTS RESERVED : 1. FCRA 605B requires blocking fraudulent data within 4 business days.

2. FDCPA 1692e & 1692g prohibits collection and reporting of debts not owed.

3. UCC 1-308 : I reserve all rights without prejudice.

4. 15 U.S.C. 1681s-2 ( b ) requires each bureau to investigate and delete data reported by furnishers following receipt of this dispute.

ACTION DEMANDED : Immediately delete and block all fraudulent accounts and inquiries listed above. 
Send a written confirmation of deletions to my mailing address. 
Cease and desist from further reporting or sharing of this fraudulent information. 
Do not reinsert any data unless strictly compliant with FCRA 611 ( a ) ( 5 ) ( B ).

Failure to act within 15 days will result in complaints filed with the CFPB, FTC, and Ohio Attorney General, along with potential legal action for damages under federal consumer protection laws. 

Cease and desist from further reporting or sharing of this fraudulent information. 
Do not reinsert any data unless strictly compliant with FCRA 611 ( a ) ( 5 ) ( B ).

Failure to act within 15 days will result in complaints filed with the CFPB, FTC, and Ohio Attorney General, along with potential legal action for damages under federal consumer protection laws. 

Respectfully, XXXX XXXX XXXX

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