Consumer complaint received 2025-03-13 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:
Subject : Urgent Request for Removal of Fraudulent Accounts Under FCRA & Identity Theft Laws FTC Identity Theft Report # : XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all fraudulent accounts and inquiries from my credit file pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g, 1681c-2 ) and FACTA ( Fair and Accurate Credit Transactions Act ). I am a verified victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC ), reference number XXXX, dated XX/XX/XXXX. 

In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required by federal law to block the reporting of all information that results from identity theft within four ( 4 ) business days of receiving my request and documentation. Enclosed are the following documents : My official FTC Identity Theft Report A government-issued ID Proof of residence ( utility bill or lease agreement ) A detailed list of the fraudulent accounts and inquiries Below is a list of accounts and inquiries that were fraudulently opened in my name : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX | XXXX : {$14000.00} XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX | XXXX : {$13000.00} XXXX. XXXX XXXX Credit Card Opened XX/XX/XXXX | Amount : {$740.00} XXXX. XXXX Credit Card Opened XX/XX/XXXX | XXXX : {$380.00} XXXX. XXXX Credit Card Opened XX/XX/XXXX | Amount : {$210.00} XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  ( Various dates from XX/XX/XXXX XX/XX/XXXX ) Fraudulent Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and others These accounts were not authorized by me, and their presence on my report is causing serious harm. I am requesting their immediate deletion, along with associated hard inquiries under the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX ), which supports my presumption of no valid debt due to lack of verified evidence. 

If these fraudulent accounts and inquiries are not removed within the timeframe mandated by law, I will be forced to escalate this matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney Generals Office Federal Trade Commission ( FTC ) Please send me a written confirmation that these accounts have been removed from my credit report. 

Sincerely, XXXX XXXXXXXX XXXX XXXX  Without Prejudice Enclosures : FTC Identity Theft Report ( Ref # XXXX ) Copy of Drivers License Proof of Residence Detailed List of Fraudulent Accounts My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON XXXX DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )

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