Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: CT
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 inform you that I have recently discovered unauthorized accounts listed on my credit report that are associated with your agency. After conducting a thorough review of my credit history, I have reason to believe that my personal information has been compromised, resulting in fraudulent activity. As such, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, as a consumer, I have the right to request verification of any alleged debts associated with my name. Section 609 ( a ) ( 1 ) of the FCRA states that " A consumer reporting agency shall, in response to a request by a consumer, provide to the consumer any information in the consumer 's file at the time of the request. '' Therefore, I hereby request that you provide me with detailed documentation and verification of each account, as outlined below : 1. The original creditor 's name and contact information. 
2. The date the alleged debt was incurred. 
3. The nature and purpose of the debt. 
4. Complete payment history and transaction details. 
5. Any agreements or contracts bearing my signature. 

Failure to comply with the verification request within 30 days, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA, will result in a violation of federal law. In case of non-compliance, I will pursue all available remedies under the FCRA, including but not limited to reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action. 

Furthermore, I request that you immediately cease all collection activities related to the disputed accounts until the verification process is completed. Section 809 ( b ) of the FDCPA states that " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt. '' Additionally, I am invoking my rights under Section 605B of the FCRA, which states that if a consumer submits an identity theft report to a consumer reporting agency and provides a copy to a debt collector, the debt collector must block the reporting of any information relating to the identity theft. I have attached a copy of the identity theft report for your reference. 

I expect a prompt response within 30 days of your receipt of this letter. Please provide all requested documentation and information to me at the address listed above. Failure to comply with these requests will be considered a violation of the FCRA, and appropriate action will be taken. 

Thank you for your immediate attention to this matter. Please ensure that all communication is in writing and sent via certified mail to maintain a clear record of our correspondence. 

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