Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Sir/Madam, I am writing to bring to your attention fraudulent accounts that have appeared on my credit reports with Experian, XXXX, and XXXX. As a victim of identity theft, I am seeking your assistance in rectifying this issue promptly. I request that you investigate these fraudulent accounts and take appropriate actions to remove them from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have provided the details of the fraudulent accounts that have been erroneously associated with my name : Experian : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX XXXX : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2800.00} Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX I want to emphasize that these accounts are fraudulent, and I have never had any association with the named creditors or authorized any individual or entity to open these accounts on my behalf. The appearance of these fraudulent accounts on my credit reports has caused significant distress and damage to my financial well-being. 

It is important to note that I did not immediately notice these fraudulent accounts due to the clever tactics employed by the identity thief. The perpetrator meticulously crafted these accounts to mimic legitimate financial transactions, making it extremely difficult to identify them as fraudulent. Additionally, the identity thief may have gained unauthorized access to my personal information through a variety of means, including data breaches and phishing attempts. 

I am aware of my rights under the FCRA, which mandates that credit reporting agencies investigate and rectify any inaccuracies or fraudulent information on credit reports within a reasonable timeframe. In light of this, I kindly request that you initiate a thorough investigation into the fraudulent accounts I have listed above. I expect that you will diligently verify the accuracy of these accounts and the associated information, ensuring that my credit reports reflect the truth and accuracy of my financial history. 

Please provide me with updates regarding the progress of your investigation and the steps being taken to remove these fraudulent accounts from my credit reports. Additionally, I request that you furnish me with copies of the revised credit reports from Experian, XXXX, and XXXX once the necessary corrections have been made. 

I appreciate your attention to this matter and your commitment to protecting consumers from fraudulent activities. I have enclosed copies of supporting documents to assist you in your investigation. 

Should you require any further information or documentation, please do not hesitate to contact me. Thank you for your prompt assistance, and I look forward to a swift resolution of this matter. 

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