Consumer complaint received 2025-06-01 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX / XXXX Date : XX/XX/XXXX TO : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Accounts & Inquiries Identity Theft Case Demand for Deletion and Monetary Damages To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts and unauthorized hard inquiries from my credit file across Equifax, Experian, and TransUnion. I am a confirmed victim of identity theft, as documented in my official FTC Identity Theft Reports, report numbers : XXXX and supplemental filing dated XX/XX/XXXX. My personally identifiable information ( PII ) may have been compromised in the Equifax, TransUnion, Experian, and XXXX data breaches, and I did not authorize the use of my identity to apply for any of the accounts or inquiries listed below. 

These actions are in direct violation of : 15 U.S.C. 1681b ( f ) Prohibits use of consumer reports without a permissible purpose 15 U.S.C. 1681c-2 Obligation to block information resulting from identity theft upon request 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) Duty to report accurate information 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1692e ( XXXX ) Prohibition on reporting false credit information XXXX XXXX Reservation of rights without prejudice I demand permanent deletion of the following fraudulent hard inquiries and accounts : Fraudulent Hard Inquiries ( XX/XX/XXXX ) Equifax ( from attached images ) XXXXXXXX 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 XXXXXX/XX/XXXX XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Accounts Listed in Identity Theft Reports National Credit Adjusters Opened XX/XX/XXXX {$510.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} XXXX XXXX Opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$2600.00} XXXX XXXX Opened XX/XX/XXXX {$0.00} XXXX Opened XX/XX/XXXX {$250.00} XXXX  XXXX  Opened XX/XX/XXXX {$0.00} XXXX  XXXX Opened XX/XX/XXXX {$0.00} These inquiries and accounts were initiated without my knowledge or consent and are the result of criminal identity fraud. I am asserting my rights as defined under federal law and demanding the immediate permanent deletion of all the above listings from my credit file across all three credit bureaus. 

Additionally, because your failure to safeguard my credit file and conduct proper reinvestigation has caused measurable emotional distress, credit denials, financial harm, and reputational damage, I am demanding monetary compensation in the amount of {$10000.00} per bureau, pursuant to : 15 U.S.C. 1681n & 1681o Civil liability for willful and negligent noncompliance FCRA 609 ( e ) Use of identity theft documentation XXXX XXXX All rights reserved, without prejudice Requested Action : XXXX. Delete all fraudulent inquiries and accounts listed above from my credit report ( s ). 
XXXX. Provide me with an updated and corrected copy of my credit report. 
XXXX. Provide a written confirmation that these deletions were completed. 
XXXX. Initiate a claim review for compensatory damages due to FCRA violations and reporting negligence. 

Failure to comply will result in formal legal action, complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX and a civil claim filed for damages under the FCRA and FDCPA. 

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