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:
XX/XX/XXXX IT IS ILLEGAL AND AND GRAVE VIOLATION OF XXXX XXXX TO MARK XXXX CONSECUTIVE MISSED PAYMENTS THAT IS A VIOLATION OF MY FCRA RIGHTS! WE ARE ASKING FOR IMMEDIATE REMOVAL FOR VIOLATION OF MY RIGHTS! 

These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 


* * All these items will be required or under FCRA these illegal items must be removed within XXXX  days * * An explanation of what this illegal account is for. 

Documentation that shows I agree to pay this illegal debt The agreement that grants you authority to collect on this alleged illegal debt A copy of your state license, including state number. 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX Sec XXXX Under XXXX XXXX XXXX XXXX ( XXXX ) 15 USC 1681s-2 15 USC 16811i XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC XXXX Part XXXX, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and Experian report. 

Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$13000.00} Transunion/Experian XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} XXXX  Date Opened XX/XX/XXXX Balance {$100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$740.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX  XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 2024

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