Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to file a formal complaint regarding an incident of identity theft and the lack of appropriate action taken by XXXX XXXX in response to my claims. I believe my personal information has been compromised, leading to the fraudulent opening of a XXXX 's account in my name without my knowledge or consent. 
After this situation I contacted the usps to forward all mail to that initial address given to me in my first correspondence with the company at " XXXX XXXX '' with my name on it to my address because I believe these people could have used all of my information to obtain more credit or other fraudulent use. 
Today I took the liberty of filing a police report about this fraud attempting a thorough investigation with this address originally on the account, after speaking with a consumer law attorney and identifying my rights and what possibly may have happened to cause this which she informed me is very common and should have been addressed at the first correspondence with this company. 


Identity Theft Incident : Upon reviewing my credit history, I discovered an unauthorized XXXX 's account that was opened in my name. I want to emphasize that I have never applied for or authorized such an account. This clearly indicates that my personal information has been compromised, and someone has unlawfully used my identity for fraudulent purposes. 

XXXX XXXX Response : Despite contacting XXXX XXXX to report the fraudulent account and seeking their assistance in resolving the issue, their response has been inadequate. They have not provided me with the application related to this fraudulent account, even though I specifically requested it. This lack of cooperation and failure to address my concerns is deeply troubling. 

Impact on My Finances and Security : The fraudulent XXXX 's account, along with other unauthorized credit card accounts opened in my name, has had a significant negative impact on my finances and creditworthiness. Additionally, I am deeply concerned about the potential misuse of my personal information by the individuals responsible for this identity theft. I have taken several precautions, such as placing a block on my taxes and contacting the Social Security Office, but I am still uncertain about the extent of the damage and the potential risks I may face.

Request for Action : I am seeking your assistance in resolving this matter and holding XXXX 's accountable for their negligence. I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this case of identity theft and takes appropriate action to rectify the situation. This includes holding XXXX 's accountable for their failure to provide me with the application related to the fraudulent account and for not taking sufficient measures to protect my personal information. 

Furthermore, I kindly request that you keep me updated on the progress of the investigation and any actions taken in response to my complaint. I am willing to provide any additional information or evidence that may assist in your investigation. 

Enclosed with this complaint, please find supporting documents, including any emails or correspondence related to the fraudulent XXXX 's account and any other relevant information that may aid in your investigation.

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