Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to bring to your attention that I have recently become a victim of identity theft. I have filed an identity theft report with the proper authorities, and I am requesting a thorough investigation into the fraudulent accounts that have been opened in my name. The accounts in question are associated with XXXX card, XXXX, XXXXXXXX XXXX XXXX, and XXXX XXXX. 
I have been a responsible consumer and have always taken steps to protect my personal and financial information. However, despite my best efforts, I have fallen victim to identity theft. I am extremely concerned about the impact this will have on my credit report and overall financial well-being. As such, I am seeking your assistance in resolving this matter promptly and accurately. 
I have previously attempted to dispute the fraudulent accounts with Experian, but they have been verified without providing any tools or methods to verify the accuracy of the accounts. I urge you to conduct a thorough investigation into these accounts and provide me with a detailed report of your findings. I request that you take the following steps to resolve this issue : 1. Conduct a thorough investigation : I request that Experian conduct a comprehensive investigation into the fraudulent accounts associated with XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please provide me with a detailed report of your findings, including any information on the individuals or entities responsible for opening these accounts. 
2. Provide verification tools : I urge Experian to provide me with the necessary tools and methods to verify the accuracy of the disputed accounts. As a victim of identity theft, I am entitled to take measures to protect my credit and financial information. I request that Experian provide me with clear instructions on how I can verify the accuracy of the accounts in question.

3. Remove fraudulent accounts : I request that Experian promptly remove any fraudulent accounts from my credit report. These accounts were opened without my consent or authorization, and I am not responsible for any charges or debts associated with them. I expect Experian to take appropriate actions to rectify this issue and protect my credit history.

4. Enhance security measures : I urge Experian to enhance its security measures to prevent future occurrences of identity theft. This includes improving the verification process for disputed accounts and taking proactive steps to identify and prevent fraudulent activity on credit reports. As a leading credit reporting agency, Experian has a responsibility to safeguard the personal and financial information of its consumers.

5. Provide updates on the investigation : I request that Experian provide me with regular updates on the progress of the investigation and resolution of this matter. I appreciate your prompt attention to this issue and your commitment to resolving it in a timely and accurate manner.

Identity theft is a serious crime that can have devastating consequences for its victims. In my case, it has resulted in fraudulent accounts being opened in my name, which can have long-term effects on my credit report and financial health. I have taken the necessary steps to report this incident to the appropriate authorities, and I am now seeking your assistance in resolving this matter with Experian. 
I want to emphasize the urgency of this matter and the importance of your thorough investigation into the fraudulent accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have diligently maintained my credit and financial affairs, and I refuse to be held responsible for any fraudulent activity that has occurred without my knowledge or consent. 
I expect Experian to take all necessary actions to protect my rights as a consumer and to assist me in resolving this issue promptly and accurately

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