Consumer complaint received 2025-08-28 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, OH XXXX Phone : XXXX Email : XXXX Date XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Demand for Deletion of Fraudulent Auto Loan Account FTC Identity Theft Report XXXX XXXXXXXX | Fraudulent XXXX XXXX Loan ( {$9500.00} ) I. Identity Theft and Fraudulent Account I am the victim of identity theft as documented in my FTC Identity Theft Report XXXX XXXX  dated XX/XX/XXXX. 
The fraudulent account in question is : Creditor : XXXX XXXX Account Type : Auto Loan / Lease Date Opened : XX/XX/XXXX Balance : {$9500.00} Fraud Discovered : XX/XX/XXXX This account was opened without my knowledge, authorization, or consent. It is false, fraudulent, and must be deleted from my consumer reports immediately. 



XXXX. XXXX Grounds for XXXX Deletion XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) Requires CRAs to block identity theftrelated information from consumer reports within XXXX business days upon receipt of an Identity Theft Report. 
XXXX. FCRA XXXX ( XXXX XXXX. XXXX ) Mandates a reasonable reinvestigation and prohibits continued reporting of inaccurate or unverifiable information. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXXXXXX XXXX XXXXXXXX XXXX. Data furnishers are prohibited from reporting information after being notified that it is the result of identity theft. 
XXXX. XXXX XXXX I reserve all rights without prejudice ; no contract was lawfully entered into, therefore no debt can exist against me. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX v. XXXX, XXXX Mo. XXXX, XXXX XXXX XXXXXXXX ) Failure to rebut this dispute with verified documentation constitutes agreement to deletion. 



XXXX. Data Breach Compromise My personal identifiers were exposed in major breaches including Experian, XXXX, TransUnion, and XXXX. These breaches placed my information into the hands of criminals and directly enabled this fraudulent account. As such, your continued reporting of this tradeline is reckless, negligent, and a violation of federal consumer protections. 



IV. Demands XXXX removal of the fraudulent XXXX XXXX account. 
Written confirmation of deletion provided to me within XXXX  days. 
Permanent blocking of any future reinsertions of this tradeline, per FCRA XXXX ( a ) ( XXXX ) ( B ). 
Cease all reporting of any unverifiable or identity-theftrelated information. 



V. Notice of Liability Be advised : noncompliance will constitute willful violations of the FCRA, FDCPA, and XXXX protections, subjecting you to damages under XXXX XXXX. XXXX & XXXX. I am prepared to pursue all legal remedies available, including complaints with the CFPB, FTC, and State Attorney General. 



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