Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Complaint Regarding Identity Theft and Fraudulent Account Account Number # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an incident of identity theft and a fraudulent account that has been opened in my name. I believe this incident is a clear violation of consumer rights, and I request your assistance in resolving this matter. 

In XX/XX/2017, I received notification from XXXX, a major credit reporting agency, stating that I was a victim of their criminal cyberattack that occurred in XX/XX/2017. It was revealed that unauthorized individuals had gained access to my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive details such as driver 's license and credit card numbers. 

As a result of this breach, my identity was stolen and subsequently used to open a fraudulent account with XXXX XXXX XXXX  I have never had any association with this financial institution, and I can confirm that the account in question does not belong to me. 

The impact of this identity theft has been significant and has taken a toll on my overall well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have experienced as a direct result of this incident required me to seek medical treatment. I believe that XXXX 's negligence in safeguarding my personal information and their failure to prevent unauthorized access to their systems have caused me substantial harm. 

I have taken immediate action to mitigate the situation by contacting XXXX XXXX XXXX directly to inform them of the fraudulent account. However, I am now turning to the Consumer Financial Protection Bureau for further assistance in resolving this matter and seeking appropriate remedies for the damages I have suffered. 

I kindly request that you investigate this case thoroughly and take appropriate action against XXXX for their failure to protect consumers ' personal information. Additionally, I urge you to support me in resolving the fraudulent account with XXXX XXXX XXXX promptly and ensuring that any negative impact on my credit history is rectified. 

Enclosed with this letter, please find supporting documentation, including copies of relevant correspondence and any other evidence that can aid in the investigation and resolution of this matter. 

I appreciate your attention to this complaint and your commitment to upholding consumer rights. I look forward to a prompt response and a favorable resolution to this distressing situation. If you require any further information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

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