Consumer complaint received 2025-11-19 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:
Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXXXXXX RE : IDENTITY THEFT Request for Investigation & Mandatory Block of Fraudulent Accounts Under FCRA 605B To Whom It May Concern, I am formally notifying you that I am a verified victim of identity theft, and fraudulent accounts, loans, and collections have been reported in my name without my knowledge, authorization, or consent. 

I have submitted an official FTC Identity Theft Report, Report XXXX. XXXX, signed and filed on XX/XX/XXXX. 
( Attached : Full FTC Identity Theft Report and supporting documentation. ) Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], you are legally required to BLOCK all fraudulent information within 4 business days of receiving this notice and accompanying identity theft report. 

This letter also serves as a formal dispute under FCRA 611 ( 15 USC 1681i ) and a cease-and-desist notice under FDCPA 805 ( c ) ( 15 USC 1692c ( c ) ) to any debt collector reporting fraudulent accounts.

I also reserve all rights under UCC 1-308 to not be bound by any contract or obligation created fraudulently or without my consent. 



FRAUDULENT ACCOUNTS TO BE BLOCKED & REMOVED IMMEDIATELY The following accounts appear on my credit report but were opened or used fraudulently, per my FTC report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( multiple fraudulent accounts ) All XXXXXXXX XXXX listed below are identity-theft related and must be blocked under FCRA 605B. 

Fraudulent Student Loans ( from FTC Report XXXX. XXXX ) ( You already confirmed these in my uploaded identity theft reports. ) XXXX  XXXX Opened XX/XX/XXXX {$2700.00} XXXX  XXXX Opened XX/XX/XXXX {$2500.00} XXXX  XXXX Opened XX/XX/XXXX {$2400.00} XXXX  XXXX Opened XX/XX/XXXX {$2100.00} XXXX XXXX Opened XX/XX/XXXX {$940.00} XXXX  XXXX Opened XX/XX/XXXX {$210.00} TOTAL FRAUD CONFIRMED : Over $ XXXX in fraudulent education-related debt opened across multiple years. 




Fraudulent Collections to Delete Immediately From my credit report screenshots, the following collection accounts are fraudulent, not mine, and included in my identity theft statement : Collections ( must be removed ) : XXXX XXXX XXXX Opened XX/XX/XXXX {$110.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$260.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX Opened XX/XX/XXXX {$700.00} These debts were never authorized, never incurred by me, and must be removed under : FCRA 605B Mandatory Blocking FDCPA 807 False Representation of a Debt FDCPA 809 Lack of Validation Debt collectors associated with these accounts are hereby notified to CEASE ALL COLLECTION ACTIVITY IMMEDIATELY.

FORMAL LEGAL DEMANDS 1. BLOCK ALL FRAUDULENT ACCOUNTS ( FCRA 605B ) You must block reporting of the fraudulent items listed above within 4 business days, as required by law.

2. REMOVE ALL RELATED INQUIRIES ( FCRA 604 & 605 ) Remove ALL hard inquiries associated with the fraudulent accounts, including ( from FTC 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  and others listed in my FTC identity theft report.

3. SEND RESULTS WITHIN 30 DAYS ( FCRA 611 ) You must provide me with written confirmation of : items deleted items blocked results of reinvestigation updated credit reports 4. CEASE & DESIST TO ALL DEBT COLLECTORS ( FDCPA 805 ( c ) ) Collectors must stop calling, emailing, billing, or reporting fraudulent debt. 



DOCUMENTS INCLUDED FTC Identity Theft Report No. XXXX ( full report ) Copy of government-issued ID Proof of address Screenshots/printouts of the fraudulent accounts Any additional evidence required REQUIRED MAILING ADDRESS FOR RESULTS Send all responses to : XXXXXXXX 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