Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$1000.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : 1. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity. 

2. Copies of my credit reports from EXPERIAN, XXXX, and XXXX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

3. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ). 

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : 1. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ).

2. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well.

3. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation.

4. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess.

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account.

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SNN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS ) CREDIT REPORTS ( FROM ALL 3 BUREAUS )

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