Consumer complaint received 2025-07-22 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:
IDENTITY THEFT DISPUTE DEMAND FOR PERMANENT REMOVAL OF FRAUDULENT ACCOUNTS, INQUIRIES & COLLECTIONS To Whom It May Concern, I am formally disputing numerous inaccurate, fraudulent, and unlawfully reinserted accounts and hard inquiries appearing on my credit reports. These entries were made without my consent and are the direct result of identity theft. My identity has been compromised in several nationally recognized data breaches including XXXX, XXXX, TransUnion, Equifax, Experian, and XXXX. As such, I am demanding the immediate and permanent removal of all associated fraudulent accounts, hard inquiries, and collections listed below. 

These accounts and inquiries have caused severe and unjust harm to my credit profile and personal life. Many of them are over a decade old, beyond federal reporting limitations, or were previously removed due to verified fraud and wrongfully reinserted in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 



FRAUDULENT COLLECTIONS AND ACCOUNTS TO DELETE : XXXX XXXX XXXX auto loan reported in XX/XX/XXXX for {$52000.00}. This account was previously removed but has been reinserted unlawfully without proper notice or reinvestigation. 
XXXX XXXX XXXX auto loan from XXXX, totaling {$6700.00}. This is not only fraudulent but is well over seven years old and exceeds the FCRAs legal reporting period ( 15 U.S.C. 1681c ). 
XXXX XXXX XXXX loan from XX/XX/XXXX, amounting to {$3100.00}. XXXX has also submitted unauthorized inquiries related to this fraudulent activity. 
XXXX  XXXX Multiple fraudulent credit card accounts dating as far back as XXXX and XXXX ( with reported balances of {$1800.00} and {$820.00} ). These accounts are over 8 years old and must not be reported. 
XXXX Opened fraudulently in XXXX with only {$81.00} reported, but still unlawfully maintained on my file nearly 10 years later. 
XXXX Unauthorized credit card from XXXX for {$3300.00}. I never opened this account. 
XXXX  XXXX Opened fraudulently in XXXX, totaling {$1700.00}. 
XXXX XXXX XXXX credit card from XXXX with a balance of {$1500.00}. This is 11 years old and must be deleted under federal law ( 15 U.S.C. 1681c ). 



UNAUTHORIZED HARD INQUIRIES TO REMOVE : These inquiries were made without my consent, often in relation to the above fraudulent accounts. Under 15 U.S.C. 1681b ( c ), these inquiries were not authorized by me and must be removed : FORESIGHT CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( duplicate entries ) XXXX XXXX  XX/XX/XXXX These inquiries directly coincide with the fraudulent accounts above and further support my documented claim of identity theft. 



LEGAL BASIS FOR IMMEDIATE REMOVAL : Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c-2 ( Section 605B ), I am submitting my Identity Theft Report and demanding the permanent deletion of all fraudulent accounts, inquiries, and collections. Continued reporting of these items : Violates my rights under federal law. 
Causes irreparable financial and emotional damage. 
Subjects your agency and data furnishers to legal liability, regulatory complaints, and monetary damages. 

Please note : Any reinsertion of previously deleted items, without full compliance with 1681i ( a ) ( 5 ) ( B ), constitutes a willful violation of the FCRA and may be grounds for litigation. 



ENCLOSURES : FTC Identity Theft Report # XXXX FTC Identity Theft Report # XXXX Screenshots of credit report entries and unauthorized inquiries Proof of data breach exposure I expect all fraudulent data and inquiries to be removed within the XXXX investigation period. Should you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue further legal action as needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX / XXXX Date : XX/XX/XXXX XXXX

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