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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL IDENTITY THEFT DISPUTE DEMAND FOR BLOCKING OF FRAUDULENT ACCOUNTS UNDER FCRA 605B | FCRA 611 | CEASE & DESIST | REMOVAL OF FRAUDULENT COLLECTIONS & HARD INQUIRIES To Whom It May Concern, I am submitting this formal identity theft dispute pursuant to the Fair Credit Reporting Act ( FCRA ), including 605B, 611, 602A, FACTA, and all relevant consumer protection laws. Attached is my official FTC Identity Theft Report ( # XXXX ), which legally obligates your bureau to block fraudulent information within 4 business days.

I did NOT apply for, authorize, or consent to the following accounts, collections, or hard inquiries. These are the results of identity theft, as documented in my FTC report and visible on page 1 and 2 of the report. 



FRAUDULENT HARD INQUIRIES ( MUST BE REMOVED IMMEDIATELY ) ( All listed in my FTC Identity Theft Report ) 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 XXXXXX/XX/XXXX These inquiries occurred without my authorization and qualify as identity theft under the FCRA & FACTA . 



FRAUDULENT COLLECTION ACCOUNTS ( MUST BE BLOCKED PER FCRA 605B ) As recorded in my FTC report : XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$690.00} XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} These debts are fraudulent, and I never opened or authorized them. 



FRAUDULENT ACCOUNTS LISTED IN FTC IDENTITY THEFT REPORT Credit Accounts Opened by Thief : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$800.00} XXXX Began XX/XX/XXXX {$1000.00} Fraudulent Auto Loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} All of these appear on page XXXX of my FTC Report. 



LEGAL BASIS FOR REMOVAL YOU ARE REQUIRED TO BLOCK THESE ITEMS FCRA 605B Mandatory Blocking of Identity Theft Information Upon receipt of an FTC Identity Theft Report, a credit bureau must block fraudulent items within 4 business days.

FCRA 611 My Right to Dispute & Demand Reinsertion Protection You are prohibited from re-inserting any deleted item unless you follow all strict reinvestigation requirements.

FCRA 609 ( e ) My Right to Documentation Used to Open These Accounts I demand full documentation used to open these accounts, including : Original applications IP logs E-Sign consent logs Physical signatures Copies of IDs used Failure to provide documentation means the account must be deleted.

FDCPA 809 ( b ) Cease Collection of Disputed Debt Any collection agency reporting fraudulent data must cease collection until validation is provided.

UCC 1-308 Rights Reserved I reserve all rights without prejudice pursuant to UCC 1-308 .

Cease & Desist Notice Under 15 U.S.C. 1692c ( c ), all debt collectors must stop contacting me immediately except to confirm deletion or to state no further action will be taken.

WHAT YOU ARE REQUIRED TO DO NOW 1. Block ALL fraudulent items within 4 business days ( FCRA 605B ) This includes ALL inquiries, accounts, and collections listed above.

2. Send me updated credit reports showing the items have been deleted.

3. Send me copies of all documents used to verify each disputed account.

If you can not provide physical evidence, the account must remain deleted.

4. Notify all furnishers and data providers of these deletions.

ENCLOSED DOCUMENTS FTC Identity Theft Report ( # XXXX ) Copy of Government-Issued ID ( XXXX XXXX XXXXXXXX ) Proof of Address Detailed fraud list ( Inquiries + Collections ) FINAL NOTICE Failure to comply will result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX  Attorney General XXXX XXXX XXXX XXXX XXXX XXXX I expect full compliance within the timeframes mandated by federal law. 

Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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