Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12849012
Complaint Overview
Complaint ID: 12849012
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Ohio
ZIP Code: 44146
Date Received: 2025-04-06T12:00:00-05:00
Date Sent to Company: 2025-04-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It XXXX Concern : Re : Formal Dispute of Fraudulent Accounts and Hard Inquiries Identity Theft Case ( FTC Report # XXXX ) I am writing to formally dispute the accuracy and validity of certain debts and hard inquiries listed on my credit report. As a verified victim of identity theft ( FTC Report # XXXX, dated XX/XX/XXXX ), I assert that my personal information was compromised due to major data breaches including XXXX, TransUnion, XXXX, and XXXX. Under the Doctrine of Estoppel by Silence, as established in Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. ), I may reasonably presume that no valid proof of the alleged debts exists. Therefore, I dispute the following accounts and hard inquiries, and request immediate investigation and corrective action. I. Disputed Fraudulent Accounts ( XXXX FTC Report ) XXXX. XXXX XXXX began : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$940.00} XXXX. XXXX XXXX XXXX began : XX/XX/XXXX Amount : {$990.00} XXXX. XXXX XXXX Fraud began : XX/XX/XXXX Amount : {$7200.00} XXXX. Disputed Hard Inquiries These inquiries were not authorized by me and XXXX have been performed during the time my identity was being misused : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX Legal Basis for Dispute Under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data. I formally request the following for any debt associated with the above entries : 1. Verification that I owe this debt ( including signed agreements or contracts ). 2. Complete itemized breakdown of the debt, if it exists. 3. Proof of legal authority to collect the alleged debt. Please note that under applicable state statutes, you must provide this information within 15 days. Additionally, under 15 U.S.C. 1692c ( c ) of the FDCPA, I request all communications regarding the above alleged debts cease immediately. Continuing contact will be treated as harassment under federal law. Lastly, under 15 U.S.C. 605B, I request immediate blocking or deletion of all fraudulent accounts and hard inquiries resulting from identity theft. The law requires this to be done within four business days upon receiving this notice and my FTC Identity Theft Report. IV. Enclosures FTC Identity Theft Report # XXXX Copy of government-issued ID ( if applicable ) Proof of address ( if required by CRA ) XXXX you fail to respond within the legally mandated timeframe, I will escalate this to the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ) XXXX and Ohio Attorney XXXX XXXX. Please confirm in writing that the fraudulent information has been deleted or corrected, and that any investigations have concluded. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12849012 about?
Complaint #12849012 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-04-06T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.