Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NV
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 collection accounts on my credit reports, as maintained by Experian, XXXX, and XXXX. As a victim of identity theft and fraudulent activity, I kindly request your immediate assistance in investigating and removing these inaccurate and damaging entries from my credit files. 

The fraudulent collection accounts listed on my credit reports are as follows : Experian : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} I believe these accounts are fraudulent for the following reasons : 1. Lack of Knowledge : I was completely unaware of these accounts until recently, as the fraudsters skillfully exploited sophisticated tactics to conceal their activities. They may have accessed my personal information through a data breach or by other means beyond my control. 

2. Unfamiliar Accounts : I have never engaged in any business transactions or had any dealings with the entities listed, such as XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. These unfamiliar account names raise serious suspicions of fraudulent activity. 

3. Inconsistent Dates : The reported dates of the fraudulent accounts are inconsistent with my financial history. For instance, the account from XXXX XXXX XXXX XXXX is stated to have originated on XX/XX/XXXX, a date on which I did not incur any medical expenses or seek any services from the mentioned provider. 

4. Contradictory Reporting : It is worth noting that two out of the four fraudulent accounts are duplicated across Experian and XXXX, with identical amounts and account numbers. Such duplication strongly indicates a coordinated effort to deceive and defraud. 

I kindly request the Consumer Financial Protection Bureau to exercise its authority and investigate these fraudulent accounts thoroughly. I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These fraudulent entries not only tarnish my creditworthiness but also undermine my ability to obtain loans, housing, and other essential services. 

I implore the Consumer Financial Protection Bureau to take immediate action to rectify this situation by : 1. Launching a comprehensive investigation into the fraudulent accounts in question. 
XXXX. Contacting Experian, XXXX, and XXXX to request the removal of these fraudulent accounts from my credit reports. 
XXXX. Ensuring that these accounts are flagged as fraudulent to prevent future harm to my credit standing. 
XXXX. Notifying me promptly of the results of the investigation and the actions taken. 

I have enclosed copies of my identification documents, including my driver 's license and social security card, to verify my identity and assist in the investigation. Please treat this matter with utmost urgency, as the presence of these fraudulent accounts continues to cause severe distress and financial harm. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this pressing issue. Should you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Yours 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 non-monetary relief