Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: TX
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 several fraudulent accounts that have been erroneously included in my credit reports maintained by Experian, XXXX, and XXXX. As a victim of identity theft, it is imperative that these fraudulent accounts are promptly removed from my credit history to protect my financial reputation and restore my creditworthiness. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these fraudulent accounts is particularly distressing, as I have always been vigilant in monitoring my credit reports and promptly addressing any suspicious activity. However, the perpetrators behind this identity theft were sophisticated and managed to exploit several loopholes, leaving me unaware of their actions until now. I believe the following factors contributed to my delayed detection of these fraudulent accounts : 1.Sophisticated identity theft techniques : The individuals responsible for this fraudulent activity employed advanced methods to deceive financial institutions and bypass security measures. This included utilizing stolen personal information, such as my Social Security number, to create seemingly legitimate accounts.

2.Elaborate camouflage techniques : The fraudulent accounts were meticulously designed to resemble legitimate financial transactions, making it difficult for even a vigilant consumer to identify them as fraudulent. This involved careful timing, mirroring genuine payment patterns, and manipulating transaction dates to avoid suspicion.

3.Delays in transaction reporting : The perpetrators intentionally delayed reporting any irregular transactions, making it harder for me to identify these fraudulent accounts within a reasonable timeframe. By the time these discrepancies came to my attention, the damage had already been done, leaving me in a vulnerable financial situation.

Considering the severity of this matter and the potential long-term consequences on my financial well-being, I kindly request that the Consumer Financial Protection Bureau exercise its authority under applicable laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), to initiate an immediate investigation and removal of these fraudulent accounts from my Experian, XXXX, and XXXX XXXX reports. 

I have enclosed copies of supporting documentation, including a copy of my identification, that can assist in expediting the removal process. I am more than willing to provide any additional information or cooperate with your investigators to help bring the perpetrators to justice. 

I trust that the Consumer Financial Protection Bureau will act promptly to rectify this matter and restore the integrity of my credit history. Your intervention and expertise are crucial in mitigating the damage caused by this unfortunate incident. 

Please inform me of the steps taken to address my request, and I kindly request regular updates regarding the progress of the investigation. I can be reached at the contact details provided above. 

Thank you for your prompt attention to this matter and for your commitment to safeguarding consumer rights. I eagerly await a favorable resolution. 

Sincerely, XXXX 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