Consumer complaint received 2023-08-07
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:
I hope this letter finds you well. I am writing to formally dispute and request the immediate removal of the fraudulent accounts that have appeared on my credit reports with Experian, XXXX, and XXXX. As a victim of identity theft, I am deeply concerned about the inaccurate information tarnishing my credit history and causing severe financial distress. 

Accounts Details : Experian : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} I must emphasize that I have never had any dealings with XXXX XXXX XXXX or any affiliated entity at any point in time, and the appearance of these accounts on my credit reports is entirely fraudulent. Here are some compelling reasons why it is impossible that I could have obtained a loan from the listed creditor during the specified period : 1.Geographical Impossibility : During the stated time frame, I was residing in a different state far from the location of XXXX XXXX XXXX. Any financial transactions would have been logistically infeasible. 

2.Financial Capacity : My financial records clearly show that I had no need for additional credit during that period. I was already engaged in a substantial mortgage commitment, making the acquisition of any new loans impractical. 

3.Thorough Records Maintenance : I have meticulously maintained my financial documents, and there is no evidence of any communication, application, or loan agreement with XXXX XXXX XXXX XXXX 

As a conscientious consumer, I promptly contacted the alleged creditor, XXXX XXXX XXXX, to address this matter. After an extensive investigation, they confirmed that these accounts are, indeed, the result of identity theft and not linked to any legitimate transaction initiated by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby request that you conduct a thorough investigation into these fraudulent accounts. I also expect full compliance with the rights afforded to me under the FCRA, including : -Verification of Accuracy : Ensure that the information reported is complete, accurate, and substantiated by reliable sources. 

-Prompt Investigation : Undertake a swift investigation into the disputed accounts and provide a detailed report of your findings within the legally mandated timeframe. 

-Deletion of Inaccurate Information : Remove the fraudulent accounts from my credit reports immediately upon the confirmation of their fraudulent nature. 

-Written Confirmation : Furnish me with a written statement of the actions taken to rectify this matter, including the deletion of the fraudulent accounts from my credit reports. 

Thank you for your attention to this matter. Please provide me with updates on the progress of your investigation at the earliest convenience. I look forward to the resolution of this distressing issue and the restoration of 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 non-monetary relief