Consumer complaint received 2025-06-15 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 Phone : XXXX Email : XXXX Date : XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Identity Theft Dispute Fraudulent XXXXXXXX XXXX  Accounts & Inquiries FTC Identity Theft Report # : XXXX Legal Basis : 15 U.S.C. 1681c-2, 1681s-2, 1681g, 1681i, 1692c ( c ), 1692g ( b ) ; UCC 1-308 All Rights Reserved Without Prejudice To whom it may concern, I am writing to demand the immediate deletion and permanent suppression of fraudulent accounts and unauthorized inquiries that appear on my credit report due to confirmed identity theft. Enclosed is my official FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX, which affirms I am a victim of financial identity theft involving a fraudulent XXXXXXXX XXXX loan totaling {$26000.00} and multiple unauthorized credit inquiries. 



FRAUDULENT ACCOUNT DELETE IMMEDIATELY : XXXX XXXX Fraudulent Personal or Business Loan Opened Without Consent : XX/XX/XXXX Discovered : XX/XX/XXXX Amount : {$26000.00} Reported Dates : XX/XX/XXXX and XX/XX/XXXX I did not authorize, initiate, or have any involvement with this account. It was opened without my consent and constitutes financial fraud. 

Pursuant to 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act, I am invoking my right to have all fraudulent data blocked and deleted from my credit report within four ( 4 ) business days of receiving this dispute.

UNAUTHORIZED HARD INQUIRIES REMOVE IMMEDIATELY : These inquiries were made without my authorization, consent, or knowledge : XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX 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 These inquiries are unauthorized and must be removed immediately under 15 U.S.C. 1681b ( c ) and 1681i, which restrict the acquisition and furnishing of consumer information without permissible purpose.

LEGAL NOTICE : Under 15 U.S.C. 1681s-2, furnishers of information must ensure maximum possible accuracy. Continued reporting of fraudulent accounts after notice of identity theft constitutes willful noncompliance, actionable under 1681n ( for actual and punitive damages ) and 1681o ( for negligent noncompliance ).

This letter also serves as a formal cease-and-desist notice under 15 U.S.C. 1692c ( c ). You must cease any communication, collection, or reporting related to these fraudulent items. Failure to comply may result in litigation under federal and state law.

Under UCC 1-308, I explicitly reserve all rights without prejudice, and do not waive any claims, remedies, or protections by engaging in this correspondence. 



FORMAL DEMANDS : 1. Immediately and permanently delete the fraudulent XXXXXXXX XXXX  account and all listed unauthorized inquiries. 
2. Block further reporting of these items under 15 U.S.C. 1681c-2.

3. Cease all collection activity or communication regarding any account linked to this theft. 
4. Provide me with a written confirmation of deletion within the 30-day reinvestigation window per 15 U.S.C. 1681i. 



Enclosures : FTC Identity Theft Report ( # XXXX ) Copy of Government-Issued Photo ID Proof of Address ( Utility Bill or Bank Statement ) Credit Report Inquiries ( screenshots for reference ) Respectfully, 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