Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XXXX Subject : Fraudulent Accounts and Request for Removal FTC Complaint # XXXX Experian Dispute Division XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Experian Credit Bureau, My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX : * -- XXXX ), and I am writing to report that I have been a victim of identity theft. Despite previous attempts to address this issue with Experian, fraudulent accounts continue to appear on my credit report, significantly lowering my credit score into the XXXX. As a result, I was recently denied a home loan. I have filed a new FTC complaint ( FTC # XXXX ) and urgently request that you take immediate action to resolve these inaccuracies. 

" I have attached a notarized affidavit confirming the fraudulent accounts and exonerating me of any liability. '' Statement of Involvement : I, XXXX XXXX, confirm that I am submitting this request independently, without the assistance of any third party. I have filed several disputes in the past, specifically regarding fraudulent accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Despite my efforts, a new XXXX XXXX XXXX account, which I do not recognize, has recently been added to my report. This has caused a XXXX drop in my credit score, instead of the anticipated XXXX increase. 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These companies " do not have an account with my information ''. They have sent these fraudulent accounts to a fraudulent collection company and have no further information! 

PLEASE DELETE! 

Fraudulent Accounts to be Removed : XXXX. XXXX XXXX Account Number : XXXX - Amount : {$1400.00} - Credit Limit : {$350.00} - Date Opened : XX/XX/XXXX - Date Closed : XX/XX/XXXX Credit Score Discrepancy : I also dispute the current credit score reflected in my Experian report, which should show a score of XXXX, consistent with the other credit bureaus. 

Incident Report : During my dispute process, I was informed that Experian tends to side with creditors, and I was advised to file an FTC complaint. Despite submitting all necessary identity theft documentation, no corrections have been made to my credit report. Additionally, after I mailed sensitive information to Experian, further inaccuracies appeared on my report, suggesting potential tampering. 

Legal Basis for Removal : Under the provisions of 15 U.S.C. 1681c-2 I am formally requesting the removal of these fraudulent accounts and inquiries from my credit report. This request is in accordance with my right to have incorrect or unauthorized information blocked following incidents of identity theft.

Rights Referenced : 1. 15 U.S.C. 1681s-2 Prohibits the reporting of information known to be inaccurate.

2. 15 U.S.C. 1681c-2 Provides for the blocking of identity theft-related information on consumer credit reports. 

Conclusion : Please address these inaccuracies at your earliest convenience and remove the listed fraudulent accounts and inquiries. I have attached new FTC and CFPB complaints for your reference. 

Here are three notable cases related to XXXX and XXXX where people have challenged incorrect credit reporting or unfair practices : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : In this class-action lawsuit, XXXX XXXX and others alleged that XXXX opened unauthorized new credit accounts, such as XXXX XXXX accounts , without proper notification. These actions negatively affected their credit scores. The lawsuit claims violations of the Fair Credit Reporting Act ( FCRA ) and state laws. Gross experienced a XXXX drop in his credit score due to this unauthorized account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : XXXX XXXX filed a lawsuit alleging that XXXX and XXXX violated the Fair Debt Collection Practices Act ( FDCPA ). Although the court dismissed the FDCPA claims, it highlighted significant issues regarding how the companies handled credit reporting and debt collection, though it ruled that the companies were not " debt collectors '' under the FDCPA. 

3. XXXX XXXX XXXX ( XXXX ) : Another class-action suit was filed against XXXX after the company created thousands of unauthorized accounts, impacting many customers ' credit scores. This lawsuit focused on deceptive trade practices, false advertising, and violations of consumer protection laws. 

These cases illustrate ongoing legal challenges regarding XXXX 's credit reporting and account practices, with claims ranging from unauthorized account openings to improper credit reporting. 

XXXX XXXX XXXX XXXX has faced multiple legal cases related to incorrect credit reporting. Some of the most notable include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) This case involved the inaccurate reporting of charge-offs. The plaintiff claimed that XXXX XXXX reported multiple charge-offs when there was only one, leading to false information on their credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) This case centered on allegations under the Fair Credit Reporting Act ( FCRA ). The plaintiff accused XXXX XXXX of failing to properly investigate disputed charges, resulting in incorrect information being reported to credit bureaus. 

3. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined XXXX Federal {$28.00} XXXX for deceptive debt collection practices, which included falsely threatening consumers about the credit consequences of delinquent payments, leading to inaccurate credit reporting. 

These cases highlight XXXX XXXX 's involvement in disputes related to improper credit reporting, often tied to broader issues of debt collection and loan servicing practices. 


XXXX XXXX XXXX XXXX is currently facing a class-action lawsuit accusing it of racial discrimination in its mortgage lending practices. The lawsuit, led by prominent attorney XXXX XXXX, alleges that the XXXX XXXX systematically denied home loans to XXXX and XXXX applicants at higher rates than their white counterparts, even when applicants had similar financial profiles. For example, data shows that in XXXX, XXXX XXXX approved loans for XXXX XXXX XXXX XXXX  applicants but only XXXX  % of XXXX applicants. XXXX, XXXX XXXX, and XXXX applicants also faced approval disparities.The plaintiffs, which include current and former military members, argue that these practices violate several federal laws, including the Fair Housing Act and the Equal Credit Opportunity Act. Some claim that when loans were approved for minority applicants, they often came with worse interest rates and terms compared to those offered to white borrowers. The lawsuit highlights the emotional and financial toll this has taken on those affected, forcing them to seek more expensive alternative financing. 


Here are notable lawsuits or settlements involving Experian over improper credit reporting : XXXX. XXXX XXXX XXXX Experian ( XXXX ) : In this class-action lawsuit, XXXX XXXX sued Experian for reporting inaccurate information on consumers ' credit reports. The court ruled that Experian had violated the Fair Credit Reporting Act ( FCRA ). Experian agreed to a {$8.00} XXXX settlement to compensate affected consumers and improve its reporting practices. 


XXXX. XXXX v. Experian ( XXXX ) : This case involved Experian inaccurately reporting information related to bankruptcy proceedings on consumers ' credit reports. The court found Experian had violated the FCRA by not maintaining accurate data and failing to update credit files. Experian settled for {$45.00} XXXX to resolve the claims, affecting tens of thousands of consumers. 


3. Federal Trade Commission ( FTC ) Settlement ( XXXX ) : The FTC investigated Experian for falsely advertising that consumers could view their credit scores for free, while signing them up for paid subscriptions without proper disclosure. Experian agreed to a settlement of {$3.00} XXXX to resolve these deceptive practices. 


4. XXXX XXXX Experian ( XXXX ) : This lawsuit involved a class-action suit against Experian for reporting erroneous tax liens and civil judgments. Experian, along with the other credit bureaus, settled the case as part of the XXXX XXXXXXXX XXXX XXXXXXXX. As part of the settlement, Experian removed inaccurate public records from its credit reports, and the case led to significant changes in reporting standards. 


5. California Attorney General SXXXX ( XXXX ) : Experian, along with other credit bureaus, settled with the California Attorney General for mishandling consumer disputes and reporting inaccurate information, particularly related to medical debts and collections. The settlement required Experian to pay {$12.00} XXXX and implement new policies to better handle consumer complaints and improve credit reporting accuracy. 

XXXX. XXXX v. Experian ( XXXX XXXX submitted numerous credit applications between the time of her bankruptcy in XX/XX/XXXX and filing this lawsuit in XX/XX/XXXX. At least two of those applications were treated unfavorably by lenders who had received Experian 's inaccurate credit reports. 

First, in XX/XX/XXXX, XXXX denied XXXX 's application for a {$3000.00} line of credit after receiving Experian 's inaccurate credit report. XXXX. XXXX. Second, that same month, XXXX approved XXXX for an auto loan on less favorable terms than XXXX XXXX XXXX, which-unlike XXXX-relied not on Experian 's inaccurate credit report but on XXXX 's accurate report XXXX 

Experian acknowledges that emotional distress damages are recoverable under the FCRA, 1681e ( b ), 1681i ( a ), 1681i ( c ). 

These cases highlight some of the significant legal challenges Experian has faced due to errors in its credit reporting. 

I request your immediate assistance in rectifying these errors and removing the fraudulent accounts from my credit file. 

Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, KS XXXX Email : XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX Owner Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX