Consumer complaint received 2025-07-28 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian, TransUnion, and Equifax RE : URGENT REQUEST FOR IMMEDIATE DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES UNDER FCRA 605B Dear Experian, TransUnion, and Equifax, I am writing as a verified victim of identity theft, supported by FTC Identity Theft Report # XXXX ( attached ), and am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 [ Section 605B ], to formally dispute and demand immediate removal of multiple fraudulent accounts and unauthorized inquiries from my credit reports.

These entries are the result of identity theft confirmed through federal reporting and further supported by major data breaches ( TransUnion, Equifax, Experian, XXXX, XXXX, and XXXX ) which exposed my sensitive information. These breaches created the opportunity for my identity to be misused, and I am demanding your compliance with federal law.

Fraudulent Accounts to Be Deleted Immediately : XXXX XXXX Opened XX/XX/XXXX Reported balance : {$120.00}, which exceeds the highest loan balance of {$100.00}.

96 % derogatory history with only 4 % of payments marked on time, despite no verification of this debt.

This account was fraudulently opened and must be permanently deleted. 
XXXXXXXX XXXX Opened XX/XX/XXXX Though showing {$0.00} balance and paid in full, it reports 20 % late payment history and damages my score.

This was never authorized by me and should not have been reported as my responsibility. 
XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX XXXX. XXXX Fraud began : XX/XX/XXXX All listed in the FTC Identity Theft Report, confirming they were fraudulently created.

Fraudulent Hard Inquiries to Be Removed : As also outlined in the FTC Identity Theft Report, these inquiries were unauthorized and are contributing to adverse credit impact : 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 inquiries were never initiated by me and must be removed under 15 U.S.C. 1681b ( c ) which restricts access to my report without proper authorization.

Request for Action : Pursuant to FCRA 605B, I am demanding the immediate block and permanent deletion of all fraudulent accounts and inquiries mentioned above across all three bureaus. I have attached the FTC Identity Theft Report to verify my claims.

If these items are not removed within 45 business days as required under federal law, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Ohio Attorney General, and consider legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Please confirm in writing that these fraudulent items have been removed and that my report has been corrected.

Sincerely, 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