Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, My name is XXXX XXXX XXXX and I am a Father and Family man looking to move to a home for my family, However recently upon checking my credit report I saw I was a victim of fraud. I have 3 accounts and some hard inquiries that do not belong to me. I have written the bureaus such as Experian twice already and they say the information is " verified '' however it is not. 

I am a victim of fraud and filed a police report at the Sheriffs Office who are investigating the case now and they have actually told me there may be other accounts as well that look like fraud. Police Report # XXXX. 

I was told by the Investigator to write the bureaus and give them this police report and the fraudulent items would be removed within 4days as per the FCRA section 605. 

XXXX Certified Mail XXXX Experian Certified Mail XXXX XXXX certified Mail XXXX Please see all attachments. Thank You Below is my letter to Experian for Example : RE : Victim of Identity Theft : XXXX XXXX XXXX ( XXXX # XXXX ). 

POLICE REPORT AND FRAUD AFFIDAVIT INCLUDED. 


Dear Sir or Madam, Please be advised that I am a victim of identity theft, which has resulted in negative and false information being placed on my credit report. According to the Fair Credit Reporting Act Section 605 ( b ), you are required by Federal Law to delete ALL accounts and inquiries resulting from Identity Theft within a maximum of 4 Business Days from the receipt of a Police Report and/or Fraud Affidavit. 

I HAVE INCLUDED HERE THE REQUIRED POLICE REPORT AND FRAUD AFFIDAVIT. Therefore, I hereby demand that you immediately delete the fraudulent accounts and inquiries listed below, which are a result of Identity Theft : FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

FRAUDULENT INQUIRIES TO BE DELETED : XXXX XXXX XX/XX/XXXX ( Identity Theft! ). 
XXXX  XXXX on XX/XX/XXXX ( Identity Theft! ). 
XXXX XXXX on XX/XX/XXXX ( Identity Theft! ). 
XXXX on XX/XX/XXXX ( Identity Theft ) Enclosed here are my Drivers License, Social Security Card, and Utility Bill, excerpts from the relevant FCRA Sections, as well as a copy of the Police Report and Fraud Affidavit. 

The law is very clear as to the Civil Liability and the remedies available to me under FCRA Section 616 & Section 617 if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA should you not comply. 

I look forward to receiving an updated copy of my credit report reflecting the above corrections. Also, kindly delete from my credit file all other addresses except XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX, which is the only address that I have lived in that should be on my credit file. My Only name is XXXX XXXX XXXX which should be the only name on my credit report, I go by no other names or aliases. 

Again, Section 605 ( b ) of the Fair Credit Reporting Act requires that you 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 within 4 business days. Therefore, please block and/or delete this information from my credit report, and send the required notifications to all furnishers of this information immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX SSN # XXXX. 
XXXX : XX/XX/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