Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14162581
Complaint Overview
Complaint ID: 14162581
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: 441XX
Date Received: 2025-06-18T12:00:00-05:00
Date Sent to Company: 2025-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ XX/XX/XXXX ] TO : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX XXXX breaches. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent. I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. The following fraudulent accounts must be permanently deleted from all XXXX of my credit reports : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} XXXX. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B. Notify all furnishers and debt collectors of the identity theft report and block the information. Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ). Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ). Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o. All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. Sincerely, XXXX XXXX UCC-1-308 Without Prejudice
Frequently Asked Questions
What is Complaint #14162581 about?
Complaint #14162581 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 2025-06-18T12:00:00-05:00.
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.