Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15197201
Complaint Overview
Complaint ID: 15197201
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: 43420
Date Received: 2025-08-10T12:00:00-05:00
Date Sent to Company: 2025-08-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, This is a formal and final legal demand to cease all collection activity and to delete and permanently block all reporting related to ANY OPEN accounts and repossessions fraudulently opened in my name as a result of identity theft. I did not authorize, nor did I approve, any related ACTIVITY WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> These entries are criminal misuses of my identity. IDENTITY THEFT PROTECTIONS VIOLATED : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2Block of information resulting from identity theft : Upon written request and proof of identity theft ( including a police report or FTC affidavit ), you must block any fraudulent information within 4 business days. 15 U.S. Code 1681g ( e ) Disclosure of information relating to fraud alerts and identity theft : You are required to provide details and support to identity theft victims upon request. 15 U.S. Code 1681s-2 ( a ) ( 6 ) Duties of furnishers when identity theft is reported : Furnishers may not report information they know or believe to be the result of identity theft. 15 U.S. Code 1681s-2 ( b ) Duties of furnishers upon notice of dispute : Upon receiving a dispute from a consumer or CRA, furnishers must investigate, correct, or delete inaccurate or unverifiable information. 15 U.S. Code 1681c ( a ) ( 6 ) No reporting of adverse information resulting from fraud after investigation. FDCPA ( Fair Debt Collection Practices Act ) 15 U.S. Code 1692g ( b ) You must cease collection until the debt is validated. 15 U.S. Code 1692e ( 8 ) It is a violation to report information known to be false, including debts resulting from identity theft. 15 U.S. Code 1692c ( c ) Cease communication request : All collection communication must stop after receiving written notice. 12 CFR Part 1022 ( Regulation V ) Implements FCRA obligations regarding blocking identity theft-related information, handling fraud alerts, and furnishing duties. 12 CFR Part 1006 ( Regulation F ) Implements FDCPA requirements, including restrictions on communication and rules for handling disputes and third-party disclosures. UNLAWFUL REPOSSESSIONUCC PROTECTIONS : UCC 9-609A secured party may only repossess collateral if a valid, lawful security interest exists. No such agreement exists in this case. UCC 9-610 Disposition of repossessed property must be commercially reasonable and is void when based on identity theft. Any repossession or loan being reported as mine is not just unauthorizedit is illegally attributed and must be removed immediately. LEGAL DEMANDS : IMMEDIATE CEASE AND DESIST of all communication and collection activity related to these accounts. DELETE AND PERMANENTLY BLOCK the following : 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
Frequently Asked Questions
What is Complaint #15197201 about?
Complaint #15197201 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 2025-08-10T12:00:00-05:00.
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.