Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Experian Consumer Assistance, I am writing to file a formal complaint regarding a case of identity theft that has resulted in fraudulent account activity on my credit report. I request your immediate investigation into this matter and the removal of the following fraudulent account from my credit report : Account Information : Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$680.00} No. of Months ( terms ) : - High Credit : {$680.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX I have recently fallen victim to identity theft, and I have taken the necessary steps to address this issue. I have already filed a police report with my local law enforcement agency, which I have attached to this complaint for your reference. The police report number is [ Police Report Number ]. Additionally, I have placed a freeze on my credit reports with all three major credit reporting agencies. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to dispute inaccurate or fraudulent information on my credit report. I hereby exercise my rights and formally dispute the above-mentioned fraudulent account, which has been falsely associated with my identity due to the identity theft I have experienced. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent account from my credit report. The presence of this erroneous information not only tarnishes my creditworthiness but also violates my rights under the FCRA. 

In support of my claim, I would like to draw your attention to relevant case law that upholds the rights of consumers in situations like mine : [ Provide the relevant case law information here, including the case name, court, and key details that support your argument. ] I kindly ask that you provide me with written confirmation of your investigation and the actions taken to rectify this situation. Furthermore, I request that you supply me with an updated copy of my credit report, reflecting the necessary corrections once the investigation is concluded. 

I greatly appreciate your immediate attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me at the phone number or email address provided above. I anticipate a prompt resolution to this issue and the restoration of my accurate credit history. 

Thank you for your assistance in rectifying this unfortunate incident of identity theft. 

Sincerely, Enclosure : Police Report Regenerate response

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