Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Sir/Madam, I am writing to bring to your attention the presence of fraudulent accounts and addresses on my Experian and XXXX credit reports. As a victim of identity theft, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate and delete these fraudulent entries from my credit reports, thereby restoring the accuracy and integrity of my credit history. 

Upon reviewing my credit reports, I discovered the following suspicious entries : Experian : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$700.00} XXXX : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$700.00} I would like to emphasize that I have never engaged in any financial transactions or established any accounts with the aforementioned entities. These entries are fraudulent and have been included on my credit reports without my knowledge or consent. The existence of these entries poses a serious threat to my financial well-being and tarnishes my creditworthiness, which I have diligently maintained over the years. 

I understand that it is my responsibility to regularly review my credit reports, and I regret that I did not notice these fraudulent accounts during the period of XXXX. The reason for this oversight is that during that time, I was experiencing significant personal difficulties, including a family emergency and subsequent relocation, which required my undivided attention. Unfortunately, these extenuating circumstances prevented me from meticulously reviewing my credit report during that specific time frame.However, I assure you that I have taken immediate action upon discovering these fraudulent entries and have promptly reported the matter to the relevant authorities. 

In addition to the fraudulent accounts, I also request the removal of the following fraudulent addresses associated with my name : XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX I can unequivocally confirm that these addresses are in no way associated with me, and their inclusion further supports the fact that my identity has been compromised. To substantiate my claim, I have enclosed a copy of my government-issued identification document along with a recent utility bill, both of which clearly indicate my true residential address. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable credit reports. Section 611 ( a ) ( 2 ) of the FCRA explicitly grants me the right to dispute inaccurate information and have it promptly removed from my credit reports. I urge the CFPB to exercise its authority to protect consumers like myself by conducting a thorough investigation into these fraudulent accounts and addresses, and taking appropriate action to rectify the situation. 

I kindly request that the CFPB notify Experian and XXXX regarding the fraudulent nature of these accounts and addresses, urging them to remove them from my credit reports without delay. Moreover, I expect to receive written confirmation from Experian and XXXX once the necessary corrections have been made. 

I greatly appreciate your attention to this matter and your swift action in addressing this issue. Please do not hesitate to contact me if you require any additional information or documentation to proceed with the investigation. 

Thank you for your immediate attention to this urgent matter. 

Yours faithfully, 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