Consumer complaint received 2025-08-14 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Identity Theft Dispute Demand for Immediate Deletion under FCRA 605B, FACTA, UCC 1-308, and Related Laws To Whom It May Concern, I am a documented victim of identity theft, as confirmed by the attached FTC Identity Theft Report ( Report # XXXX ). My personal information has been repeatedly compromised in multiple high-profile data breaches, including but not limited to : XXXX data breach ( exposing full consumer files and credit header data ) Equifax breach XXXX XXXX ) affecting over 147 million consumers, including SSN, DOB, and financial history TransUnion breach ( XXXX ) exposing drivers license numbers and credit data Experian breach ( XXXX ) exposing account details and inquiries XXXX breach XXXX XXXX ) exposing names, addresses, SSNs, and account logins As a result, my personal identifiers have been unlawfully used to open fraudulent credit accounts and authorize unauthorized hard inquiries without my consent or signature. 



Fraudulent Accounts Requiring Deletion XXXX XXXX Opened XX/XX/XXXX {$3100.00} Closed XX/XX/XXXX Reported with false payment history despite no legal obligation. 
XXXX XXXX Fraud date XX/XX/XXXX {$1800.00} fraudulent charges. 
XXXX XXXXs Fraud date XX/XX/XXXX {$3300.00} fraudulent charges. 
XXXX XXXX Fraud date XX/XX/XXXX {$2600.00} fraudulent charges. 
XXXXXXXX XXXX  XXXX Fraud date XX/XX/XXXX {$1400.00} fraudulent charges. 
XXXX XXXX XXXX XXXX date XX/XX/XXXX {$51.00} fraudulent charges. 



Fraudulent Inquiries Requiring Deletion 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 



Legal Basis for Immediate Deletion Under 15 U.S.C. 1681c-2 ( FCRA 605B ), a consumer reporting agency must block and delete all information that the consumer identifies as the result of identity theft within 4 business days of receiving : 1. Proof of identity 2. An Identity Theft Report 3. Identification of the disputed information Under 15 U.S.C. 1681i ( FCRA 611 ), if you can not verify an account with competent documentary evidence ( original signed contract/application ), it must be deleted. Repeatedly reporting unverifiable information after notice is a willful violation under 15 U.S.C. 1681n and 1681o.

Under FACTA ( Fair and Accurate Credit Transactions Act ) and 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or should know is inaccurate.

Under UCC 1-308, I reserve my rights without prejudice and do not accept any alleged debt absent full proof of lawful obligation.

Under 15 U.S.C. 1692e ( FDCPA ), continued reporting of fraudulent debt constitutes a false representation of a legal obligation.

Demand 1. Delete all above-listed accounts and inquiries from my credit reports immediately.

2. Provide an updated credit file showing deletions.

3. Provide the full method of verification for any item you refuse to delete, including original applications with my wet-ink signature.

4. Cease reporting any disputed, unverifiable, or fraudulent data to third parties.

Failure to comply will result in formal complaints to the CFPB, FTC, and the Ohio Attorney General and may result in civil action seeking statutory, actual, and punitive damages under FCRA, FACTA, and FDCPA. 

Attached : FTC Identity Theft Report # XXXX Proof of Identity Documentation of fraudulent accounts & inquiries Sincerely, XXXX 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