Consumer complaint received 2025-08-26 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, OH XXXX Phone : XXXX Email : XXXX To : Equifax XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion LLC, XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Fraudulent XXXX XXXX Account XXXX XXXX FTC Identity Theft Report # XXXX Unauthorized Account : XXXX XXXX ( {$920.00}, Opened XX/XX/XXXX ) Unauthorized Inquiries : XXXX Card ( XX/XX/XXXX & XX/XX/XXXX ) I. Identity Theft & Fraudulent Accounts I am the victim of identity theft, as proven by my official FTC Identity Theft Report # XXXX ( attached ). The account with XXXX XXXX, opened XX/XX/XXXX, in the amount of {$920.00}, was created without my knowledge or consent. Likewise, the hard inquiries by XXXX XXXX in XXXX are unauthorized. 

These items are directly the result of massive consumer data breaches ( XXXX XXXX, TransUnion, Equifax, Experian, XXXX ), which exposed my private data to criminals. Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ), I demand immediate blocking and removal of all fraudulent tradelines and inquiries related to this crime.

II. Legal Grounds for Deletion 1. Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( 605B ) : Requires blocking of fraudulent information upon receipt of an identity theft report.

1681i : Requires reinvestigation within 30 days ; failure to provide documentation of prior investigations violates this section. 
1681s-2 : Furnishers such as XXXX are prohibited from reporting information they know or should know is inaccurate. 
2. Fair Debt Collection Practices Act ( FDCPA ) : Continued collection or reporting of fraudulent accounts after receipt of identity theft documentation constitutes a violation of 15 U.S.C. 1692c ( c ) and deceptive practices under 1692e.

3. UCC-1-308 ( Without Prejudice ) : I reserve my rights not to be bound to fraudulent or unverified claims. Any continued reporting after receipt of this notice is unlawful and will be treated as willful non-compliance.

III. Failure of Proper Investigation Despite prior disputes, the credit bureaus have failed to provide documentation, contracts, or wet-ink signatures proving ownership of this account or authorization of the inquiries. This omission violates FCRA 1681i and triggers estoppel by silence.

IV. Demand for Immediate Action Pursuant to federal law, I hereby demand that you : 1. Delete/Block the fraudulent XXXX XXXX account XXXX 
XXXX. Delete/Block the fraudulent XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. 
3. Provide me with a written confirmation that these items have been permanently removed from my consumer file.

4. Cease and desist from re-inserting or reporting these items without full certified proof of legitimacy, as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Failure to comply will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation for damages under FCRA 1681n & 1681o. 




Respectfully, 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