Consumer complaint received 2023-05-11
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 : Request for Assistance in Deleting Fraudulent Accounts from Credit Bureaus Dear Sir/Madam , I hope this letter finds you in good health. I am writing to request your assistance in rectifying a concerning situation involving fraudulent accounts that have been erroneously reported to the three major credit bureaus : Experian, XXXX, and XXXX. The accounts in question are associated with my name and personal information, and I believe they were created without my knowledge or consent. I kindly request your intervention to remove these fraudulent entries from my credit reports, as they are causing significant harm to my financial well-being. 

I have recently discovered the presence of the following fraudulent accounts on my credit reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention that I have been an attentive and responsible consumer, consistently monitoring my credit reports to maintain a favorable credit history. However, I must acknowledge that, regrettably, I did not notice the existence of these fraudulent accounts in a timely manner. The reason for this oversight is that the fraudulent accounts were deliberately designed to mimic legitimate banking and retail institutions, such as XXXX XXXX XXXX XXXX  XXXX XXXX. Additionally, the accounts were skillfully camouflaged, making them appear genuine at first glance. 

Given the elaborate nature of this fraudulent activity, it is clear that the perpetrators engaged in sophisticated tactics to deceive individuals and circumvent typical detection methods. As an innocent victim of this scheme, I was unaware of these accounts until recently, when I diligently reviewed my credit reports for any inaccuracies. 

I assure you that I have taken immediate action upon discovering these fraudulent accounts. I have already contacted the respective credit bureaus to dispute the validity of the accounts, providing them with all the necessary evidence and documentation to support my claim of fraud. However, I understand the complexity and time-consuming nature of resolving such matters, which is why I seek your valuable assistance in expediting the process of removing these fraudulent entries from my credit reports. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter, working in collaboration with the credit bureaus to rectify the situation promptly. I firmly believe that with your expertise and authority, we can bring a swift resolution to this distressing situation and ensure the restoration of my creditworthiness. 

Please find enclosed copies of the supporting documentation that substantiate my claims, and any other relevant information that might assist in your investigation. If there are any additional documents or information required, please do not hesitate to inform me, and I will promptly provide them. 

I am extremely grateful for your attention to this matter and the assistance you can provide in restoring my credit integrity. 

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