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:
b'Experian\nP.O. Box 4500\nAllen, TX 75013\n\nEquifax\nP.O. Box 740256\nAtlanta, GA 30374\n\nTransUnion\nP.O. Box 2000\nChester, PA 19016\n\n\n\nRE: FORMAL IDENTITY THEFT DISPUTE  DEMAND FOR BLOCKING OF FRAUDULENT ACCOUNTS PER FCRA 605B (15 USC 1681c2)\n\nTo Whom It May Concern,\n\nI am submitting this letter as a formal identity theft dispute, supported by my FTC Identity Theft Report (#XXXX   and government-issued identification. I am asserting my rights under:\n\t\tFCRA 605B (15 USC 1681c-2)  Mandatory blocking of identity theft information\n\t\tFCRA 611 (15 USC 1681i)  Right to reinvestigation\n\t\tFCRA 623  Duty of furnishers to provide accurate information\n\t\tFDCPA (15 USC 1692c(c))  Cease & desist communications\n\t\tUCC 3-501 & 3-505  Requirement of presenting valid, original contracts and proof of claim\n\nThese fraudulent accounts, inquiries, and collections were not opened by me. They resulted from identity theft, as documented in my FTC report.\n\nYou are required by federal law to block and remove these items within 4 business days of receiving my request and supporting documentation.\n\n\n\nFRAUDULENT ACCOUNTS & COLLECTIONS TO BE REMOVED IMMEDIATELY\n\nListed below are the fraudulent accounts and inquiries documented in my FTC Identity Theft Report and should be blocked under FCRA 605B:\n\nCollections Opened by Identity Thief\n\tXXXX.\tXXXX XXXX XXXX Account\n\t\tFraud Start: XXXX\n\t\tDiscovered: XXXX\n\t\tAmount: XXXX\n\t\tThis debt is fraudulent and must be removed.\n\n\tXXXX.\tXXXX XXXX XXXX  Collection Account\n\t\tFraud Start: XXXX\n\t\tDiscovered: XXXX\n\t\tAmount: XXXX reported\n\t\tThis account is fraudulent and must be removed.\n\n\n\n\nHard Inquiries Fraudulently Opened (FTC Report Verified)\n\n(These MUST be removed under FCRA 604(a)(2)  no permissible purpose.)\n\t\XXXX XXXX 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\n\n\nNone of these inquiries or accounts were initiated or authorized by me.\n\n\n\nLEGAL DEMANDS (YOU MUST COMPLY)\n\nUnder FCRA 605B, you must:\n\nXXXX. BLOCK all fraudulent information within XXXX  business days.\n\nYou are required by law to block the accounts and inquiries listed in my FTC report.\n\nXXXX. Notify all furnishers to stop reporting the fraudulent information.\n\nRequired under FCRA 623(a)(6).\n\nXXXX. Provide me with written confirmation of each item removed.\n\n\n\nDEMAND TO COLLECTION AGENCIES (CEASE & DESIST NOTICE)\n\nUnder FDCPA 805(c) / 15 USC 1692c(c), you are ordered to:\n\t\tCease all communication with me immediately.\n\t\tProvide no further collection attempts regarding any fraudulent accounts.\n\nAdditionally, under UCC 3-501 & 3-505, any collector claiming I owe a debt must produce:\n\t\tThe original signed contract bearing my authentic signature\n\t\tA full accounting of the alleged debt\n\t\tProof the collector has legal standing to collect\n\nSince these items cannot exist for fraudulent accounts, all such claims are invalid.\n\n\n\nENCLOSURES (as required under FCRA 605B)\n\nI have included:\n\t FTC Identity Theft Report #XXXX   \n\t\t Copy of Ohio Drivers License (user uploaded photo)\n\t\t Proof of Address\n\t\t Detailed list of fraudulent accounts\n\n\n\nREQUESTED ACTION\n\nWithin XXXX days (and blocking within XXXX  business days), please provide:\n\tXXXX.\tWritten confirmation that the fraudulent accounts and inquiries have been blocked and permanently removed\n\tXXXX.\tUpdated copies of my credit reports from all three bureaus\n\tXXXX\tRecords of which furnishers you notified\n\nFailure to comply is a violation of federal law, and I reserve the right to file complaints with:\n\t\tConsumer Financial Protection Bureau (CFPB)\n\t\tFederal Trade Commission (FTC)\n\t\tOhio Attorney General\n\t\tCivil litigation for damages under FCRA 616 and 617\n\n\n\nSIGNATURE\n\nXXXX XXXX XXXXnFTC Report #: XXXX\nDate: XXXX XXXX XXXX\nUCC-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