Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXXXXXX XXXX XXXX Confirmation XXXX XXXX, Date created : XX/XX/XXXX XXXX XXXX XXXX File Number : XXXX, Date created : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX Number : ( XXXX ) XXXX Dear : XXXX, XXXX and Experian & XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$340.00}. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. Again please remove this account immediately from my credit report and also provide me a copy of my new credit report reflecting this account removed upon completion. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Furthermore, I believe that the furnisher of this information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the credit bureau and Experian is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this collection account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Thank you Please investigate this matter and send me a written explanation of your findings and actions.

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