Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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

Complaint:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as charge-off entries that inaccurately represent the current status of my accounts. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). 

As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft. 

I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information. 

In addition to the identity theft dispute, I dispute the charge-off entries related to the following accounts : Account Name : XXXX  XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXXXXXX  Status : Collection account. {$84.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$84.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$150.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX  XXXX Account Number : XXXX  Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$360.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$360.00} Balance Updated : XX/XX/XXXXXXXX  Original Balance : {$470.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$710.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$710.00} Balance Updated : XX/XX/XXXX Original Balance : {$740.00} I kindly request the removal of this charge-off entry, as it does not accurately represent the current status of this account. The accurate status of my account should reflect that it is not in collection, and the balance should be updated to reflect the accurate amount. 

Account Name : XXXX  XXXX Account Number : XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Collection account. {$120.00} past due as of XX/XX/XXXX. 
Status Updated : XXXX XXXX Balance : {$120.00} Balance Updated : XX/XX/XXXX Original Balance : {$140.00}

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