Consumer complaint received 2025-07-20 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:
I am writing to formally dispute and demand the removal of fraudulent accounts and inquiries that have been reported on my credit file as a result of identity theft. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that consumer reporting agencies block and remove all information resulting from identity theft upon proper notification. 

I have enclosed my FTC Identity Theft Report ( FTC Report # XXXX ), a copy of my government-issued ID, and supporting documentation detailing the unauthorized accounts and inquiries. 



Fraudulent Accounts and Inquiries : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} Monthly Payment : {$370.00} I did not authorize or apply for this loan. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported Balance : {$11000.00} Opened : XX/XX/XXXX This account was fraudulently opened in my name. 
XXXX. XXXX XXXX Hard Inquiries : XX/XX/XXXX and XX/XX/XXXX Account Opened : XX/XX/XXXX I did not authorize any of these credit pulls or the account. 
XXXX. XXXX / XXXX XXXX Inquiries Date : XX/XX/XXXX Both inquiries were unauthorized. 



Legal Basis for Dispute and Demands : Under 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required to block and remove all information that I identify as a result of identity theft within four ( 4 ) business days.

15 U.S.C. 6802 ( GLBA ) mandates the safeguarding of my nonpublic personal information and prohibits the unlawful dissemination and use of my data. 
15 U.S.C. 1681i obligates you to conduct a reasonable investigation and delete any unverifiable or inaccurate information.

Under UCC 1-308, I explicitly reserve all rights without prejudice to dispute and remedy any unlawful reporting or processing of my data.

I am also asserting my rights under 15 U.S.C. 1692c ( c ) to demand that all communications regarding fraudulent debts cease immediately. This includes any collection efforts from any party reporting or inquiring based on this fraud.

Requested Actions : 1. Block and permanently remove all fraudulent accounts and inquiries listed above from my credit file.

2. Reissue a corrected credit report to me at the address above.

3. Provide written confirmation that these records have been deleted and are no longer impacting my credit.

4. Cease any further sharing of the disputed information with third parties, including lenders or collectors.

This letter is written under penalty of perjury, and all supporting documents prove the accounts and inquiries are the result of identity theft. Failure to act promptly and lawfully will constitute a violation of federal law and subject your agency to penalties under the FCRA and other statutes. 



Sincerely, XXXX 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