Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to bring to your attention a fraudulent account that has appeared on my Experian credit report. The account in question is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Inclusion : XX/XX/2021 Outstanding Balance : {$69.00} I would like to emphasize that I am a victim of identity theft, and I have never engaged in any business or financial transactions with XXXX XXXX. The appearance of this account on my credit report has caused considerable distress and concern for my financial well-being. I strongly believe that this account is fraudulent and should be removed immediately. 

While I understand the importance of regularly monitoring my credit report, circumstances beyond my control prevented me from checking my report since XX/XX/2021. During this period, I was dealing with a serious medical condition that required extended hospitalization and subsequent recovery. Due to the medical treatments and resulting incapacitation, I was unable to tend to my financial affairs diligently, including monitoring my credit report. It was only recently, upon my regained health, that I discovered the existence of this fraudulent account. 

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. I request that you promptly investigate the authenticity of the XXXX XXXX account and provide me with a detailed explanation of its origin and any supporting documentation that led to its inclusion on my credit report. 

I kindly request that the Consumer Financial Protection Bureau act swiftly to rectify this matter by contacting Experian and ensuring the immediate removal of the fraudulent account from my credit report. This fraudulent account is tarnishing my credit history and has the potential to impact my financial opportunities negatively. I trust that you will uphold your commitment to protecting consumer rights and take the necessary steps to address this matter urgently. 

I have attached supporting documents, including a copy of my identification, to verify my identity and demonstrate that I am indeed the victim of identity theft. Additionally, please find enclosed the Identity Theft Report I filed with the Federal Trade Commission for your reference. 

I would appreciate your prompt attention to this matter and a written response detailing the actions taken to rectify the fraudulent account within the statutory timeframe of 30 days. I firmly believe that the removal of this account is vital to safeguarding my financial standing and restoring my creditworthiness. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution to restore the integrity of my credit report. 

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