Consumer complaint received 2025-08-08 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report ; they are hurting my ability to obtain credit. 

This is a formal and final legal demand to cease all collection activity and to delete and permanently block all reporting related to auto loan accounts and repossessions fraudulently opened in my name as a result of identity theft. 
I did not authorize, apply for, or initiate any accounts with these companies, nor did I approve any related vehicle repossession or credit inquiry. These entries are criminal misuses of my identity. 
IDENTITY THEFT PROTECTIONS VIOLATED : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2Block of information resulting from identity theft : Upon written request and proof of identity theft ( including a police report or FTC affidavit ), you must block any fraudulent information within 4 business days.

15 U.S. Code 1681g ( e ) Disclosure of information relating to fraud alerts and identity theft : You are required to provide details and support to identity theft victims upon request.

15 U.S. Code 1681s-2 ( a ) ( 6 ) Duties of furnishers when identity theft is reported : Furnishers may not report information they know or believe to be the result of identity theft.

15 U.S. Code 1681s-2 ( b ) Duties of furnishers upon notice of dispute : Upon receiving a dispute from a consumer or CRA, furnishers must investigate, correct, or delete inaccurate or unverifiable information.

15 U.S. Code 1681c ( a ) ( 6 ) No reporting of adverse information resulting from fraud after investigation.

FDCPA ( Fair Debt Collection Practices Act ) 15 U.S. Code 1692g ( b ) You must cease collection until the debt is validated.

15 U.S. Code 1692e ( 8 ) It is a violation to report information known to be false, including debts resulting from identity theft.

15 U.S. Code 1692c ( c ) Cease communication request : All collection communication must stop after receiving written notice.

12 CFR Part 1022 ( Regulation V ) Implements FCRA obligations regarding blocking identity theft-related information, handling fraud alerts, and furnishing duties.

12 CFR Part 1006 ( Regulation F ) Implements FDCPA requirements, including restrictions on communication and rules for handling disputes and third-party disclosures.

UNLAWFUL REPOSSESSIONUCC PROTECTIONS : UCC 9-609A secured party may only repossess collateral if a valid, lawful security interest exists. No such agreement exists in this case.

UCC 9-610 Disposition of repossessed property must be commercially reasonable and is void when based on identity theft.

Any repossession or loan being reported as mine is not just unauthorizedit is illegally attributed and must be removed immediately.

LEGAL DEMANDS : IMMEDIATE CEASE AND DESIST of all communication and collection activity related to these accounts.

SEND WRITTEN CONFIRMATION of compliance within 15 calendar days.

Block all information related to the identity theft under 15 U.S. Code 1681c-2 and Regulation V.

FAILURE TO COMPLY : If these accounts are not deleted, blocked, and corrected, I will file formal complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Ohio Attorney Generals Office I will also pursue civil damages under the FCRA and FDCPA, including statutory and punitive damages, for willful noncompliance and emotional distress. 


You are now on official notice. Continued reporting or collection of these fraudulent items is unlawful and will be documented for court and regulatory action.

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