Consumer complaint received 2025-11-24 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 : Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX Re : IDENTITY THEFT FORMAL DISPUTE OF ACCOUNTS, COLLECTIONS & HARD INQUIRIES ( 15 U.S.C. 1681 et seq., FCRA 602A, 604, 605, 605A, 605B ; FDCPA ; UCC 1-308, 1-103 ) * * To Whom It May Concern, I am writing to notify you that I am the victim of identity theft, as documented in my FTC Identity Theft Report ( # XXXX ). Under FCRA 605B, I am requesting immediate blocking and removal of the fraudulent accounts, hard inquiries, and collections listed below.

This letter also serves as a cease and desist notice to all furnishers of fraudulent information. 

I am enclosing : FTC Identity Theft Report ( full report ) Copy of my XXXX  State ID ( image provided ) Proof of address Any additional documentation required under FCRA 605B I. FRAUDULENT HARD INQUIRIES TO BE REMOVED ( FCRA 604, 606, 609, 611, 615 ) These inquiries were not authorized by me and resulted from identity theft. Remove them immediately : XXXX 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 ( These dates and names match the entries visible in the screenshot you provided. ) These companies had no permissible purpose under FCRA 604 ( a ) ( 3 ) to access my credit file.

II. FRAUDULENT COLLECTION ACCOUNTS TO BE BLOCKED ( FCRA 605B ) Per my FTC report, the following accounts are identity theft accounts and must be blocked within 4 business days under FCRA 605B ( b ) : XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Opened XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1300.00} Other Fraudulent Credit Accounts ( from FTC Report ) XXXX XXXX XXXX Fraud began XX/XX/XXXX {$120.00} XXXX XXXX Fraud began XX/XX/XXXX {$1300.00} XXXX XXXX began XX/XX/XXXX {$160.00} These accounts do not belong to me and must be removed under FCRA 605B ( c ) ( 1 ).

III. FRAUDULENT OPEN ACCOUNTS FROM FTC REPORT ( to be deleted ) From page 1 of the FTC Identity Theft Report : XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX XXXX opened XX/XX/XXXX These accounts were fraudulently opened and must be blocked and deleted immediately. 



IV. LEGAL BASIS FOR REMOVAL FCRA 605B Blocking of Information Resulting from Identity Theft You are required to block the above items within 4 business days after receiving my identity theft report.

FCRA 611 Reinvestigation Requirements You must conduct a lawful reinvestigation and can not verify fraudulent accounts without proper documentation.

FCRA 609 ( e ) Furnishers must supply copies of all applications, contracts, and records related to fraudulent accounts.

I am demanding these be provided.

FDCPA 15 U.S.C. 1692c ( c ) Cease & Desist I am invoking my right to cease all collection communications, including phone calls, mail, email, or third-party communication.

UCC 1-308 Reservation of Rights I reserve all rights without prejudice under the Uniform Commercial Code.

V. REQUIRED ACTION I demand that you : 1. Block and delete all fraudulent accounts listed above under FCRA 605B.

2. Remove all fraudulent inquiries with no permissible purpose.

3. Send updated credit reports to the mailing address above.

4. Provide written confirmation of each item deleted.

5. Provide names, addresses, and documentation from all furnishers per FCRA 609 ( e ).

VI. CEASE & DESIST NOTICE ( FDCPA 805 ( c ) ) Any furnisher or debt collector reporting these fraudulent accounts must CEASE ALL COLLECTION ACTIVITY IMMEDIATELY.

This includes calls, mail, emails, and third-party communications.

VII. CONCLUSION This letter is sent in good faith with full documentation. Failure to comply will result in : CFPB complaint FTC complaint update State Attorney General complaint Possible civil action under 15 U.S.C. 1681n & 1681o Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX ( Signature ) Enclosures : FTC Identity Theft Report # XXXX Copy of XXXX  State ID Proof of address Screenshots of fraudulent inquiries Screenshots of fraudulent collections Any supporting documents 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