Consumer complaint received 2023-07-17
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:
To Whom It May Concern, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of utmost urgency and concern regarding my identity and credit report. It has come to my attention that I am a victim of identity theft, and fraudulent accounts have been opened in my name without my knowledge or consent.

Upon reviewing my credit reports from Experian, XXXX, and XXXX, I discovered unauthorized account associated with XXXX XXXX XXXX XXXX, with an account number of XXXX and a charge of {$140.00}, allegedly incurred on XX/XX/2023. I would like to emphasize that I have never engaged in any business dealings with XXXX XXXX XXXX XXXX, and I can provide no information to support the legitimacy of these accounts. 

I understand the importance of staying vigilant about my financial status and checking my credit report regularly. However, during the period of XXXX to XXXX, when these fraudulent activities occurred, I was facing some personal challenges that required my immediate attention. Unfortunately, this diverted my focus from routinely checking my credit report. I deeply regret that this circumstance prevented me from detecting these unauthorized activities in a timely manner. 

In order to demonstrate the authenticity of my claim, I wish to highlight several reasons why these accounts are indeed fraudulent : 1.Inconsistent Account Type : The accounts in question bear no resemblance to any of my existing or past financial engagements. As such, it is evident that these accounts are not a result of any transaction I willingly initiated. 

2.Lack of Verification : I urge Experian, XXXX, and XXXX to conduct a thorough investigation into the verification process used for these accounts. It will be apparent that these accounts do not match the usual verification procedures typically associated with legitimate accounts.

3.No Corresponding Documentation : There are no records or supporting documents from any reputable financial institution indicating that I have authorized or undertaken any business with XXXX & XXXX XXXX XXXX 

4.Limited Personal Information : The fraudulent accounts lack essential personal details that I would expect to be associated with any legitimate accounts. This includes my correct address, contact information, and any form of communication regarding these accounts.

I understand that as a victim of identity theft, I have rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. These laws protect consumers like me from fraudulent activities that can cause severe financial and emotional distress. Therefore, I kindly request an immediate removal of these fraudulent accounts from my credit reports to restore the accuracy and integrity of my credit history.

Additionally, I request that you provide me with a detailed investigation report outlining the steps taken to resolve this matter and the results of your findings. Furthermore, I would appreciate your assistance in notifying all relevant parties, including XXXX XXXX XXXX XXXX, about the fraudulent nature of these accounts. 

Please do not hesitate to contact me at the provided email address or phone number if any further information is required to expedite this process. Your prompt attention to this matter is sincerely appreciated. 

Thank you for your time and understanding. 

Sincerely, 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 explanation