Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MD
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 report significant inaccuracies and fraudulent accounts that have appeared on my credit report as furnished by all three major credit bureaus : XXXX, Experian, and XXXX. The purpose of this letter is to seek assistance in rectifying these errors and to request an investigation into the matter. 

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. 

Inaccuracies within Accounts : 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 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 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 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  from Experian is erroneously reported. This is negatively impacting my XXXX XXXX and financial standing. This discrepancy inaccurately reflects my credit utilization ratio, leading to an unfair assessment of my creditworthiness and further suggesting fraudulent activity. 

I have taken the following steps in response to these inaccuracies and fraudulent accounts : 1. Contacted Credit Bureaus : a. I have initiated disputes with all three credit bureaus by filing the necessary dispute forms provided on their respective websites. 
b. I have included detailed explanations of the inaccuracies and fraudulent accounts, along with supporting documentation such as account statements, closure confirmations, and any relevant correspondence. 

2. Placed Fraud Alerts and Security Freezes : a. In light of the fraudulent accounts, I have placed fraud alerts with all three credit bureaus to add an extra layer of security and to mitigate the risk of further unauthorized accounts being opened. 
b. Additionally, I have placed security freezes on my credit files to prevent any unauthorized access or inquiries. 

I kindly request that the Consumer Financial Protection Bureau intervene and conduct a thorough investigation into these inaccuracies and fraudulent accounts. Your expertise and authority in overseeing credit reporting agencies and enforcing fair and accurate reporting practices make you an essential resource in rectifying these issues promptly. 

Enclosed with this letter are copies of the credit reports highlighting the inaccuracies and fraudulent accounts, as well as supporting documentation substantiating my claims. Please let me know if any further information is required to assist with the investigation. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please notify me of any actions taken or additional steps I should follow to ensure the correction of my credit reports. 

Thank you for your assistance and commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 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