Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
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 Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$48000.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Fraudulent Charges : {$620.00} I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.

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