Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: DE
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/XXXX SS # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Greetings, My name is XXXX XXXX XXXX. I am writing to delete the following information from my credit report. I am a victim of identity theft and did not open these accounts. More specifically, my social security number was compromised and used to open these fraudulent accounts. These accounts are now being furnished onto my credit report without permissible purpose, consent, or my knowledge. In lieu of 15 USC 1681c-2- ( a ) which states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt ''. I appreciate your due diligence and assistance in remedying this situation in advance.

Please block the reporting of the following fraudulent accounts : XXXX XXXX Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX I did not open or authorize the opening of the following account. Please block from my credit report. 

XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX I did not open or authorize the opening of the following accounts.Please block from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Balance : {$550.00} Date Opened : XX/XX/XXXX I did not open or authorize the opening of the following accounts.Please block from my credit report. 

XXXX XXXX. 
Account Number : XXXX BALANCE : {$0.00} Date Opened : XX/XX/XXXX I did not open or authorize the opening of the following accounts.Please block from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$2700.00} Date Opened ; XX/XX/XXXX I did not open or authorize the opening of the following accounts.Please block from my credit report. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$830.00} Date Opened ; XX/XX/XXXX I did not open or authorize the opening of the following accounts.Please block from my credit report. 

XXXX XXXX. 
Account Number : XXXX Balance : {$690.00} Date Opened : XX/XX/XXXX I did not open or authorize the opening of the following accounts. Please block from my credit report. 


There is also an unauthorized fraudulent inquiry being furnished to my credit report. Please block from my credit report as well. 

UNAUTHORIZED INQUIRIES : INQUIRY : DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Please delete from my credit report. 

These fradulent accounts have brought me undue hardships please delete these accounts as soon as received and in accordance with the FCRA. I have also notified the Federal Trade Commissioon and the CFPB of this identity theft. I have provided the CFPB report as well as my identity theft affidavit with this letter that will be sent via certified mail for tracking purposes. Please note I DO NOT WISH to have any SECURITY FREEZES added to my credit report. However, I am aware of my right to do so.

I appreciate your due- diligence is rectifying this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/XXXX SS # XXXX Enclosed with this letter : Affidavit CFPB Complaint Identification Social Security Card Utility Bill Please note, I stated, I DO NOT WISH TO PLACE A FRAUD ALERT ON MY CREDIT REPORT.

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