Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been a victim of identity theft, and for over a year, I have been disputing several fraudulent accounts that have been incorrectly reported on my credit reports. Despite submitting multiple written disputes to XXXX, Experian, and XXXX, these accounts continue to be inaccurately verified as legitimate. Additionally, the credit bureaus have falsely claimed that I am using a credit repair company, when in fact, I have personally sent all dispute letters. I have attached evidence and account details below to support my claim. 

Here is a list of the fraudulent accounts I am disputing : XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1200.00} Balance : {$1500.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXXXXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$780.00} Balance : {$780.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1000.00} Balance : {$1000.00} Status : Charged off as bad debt, dispute resolved by credit grantor. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, reported by subscriber. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$540.00} Balance : {$540.00} Status : Charged off, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$490.00} Balance : {$490.00} Status : Charged off as bad debt, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, customer disagrees. 
XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$580.00} Balance : {$580.00} Status : Seriously past due, collection account assigned to attorney/agency. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account information, account assigned to collections. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off, account in collections. 
Last Reported : XX/XX/XXXX. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off as bad debt, account in collections. 
Last Reported : XX/XX/XXXX. 
Comment : Account information disputed by consumer, meets FCRA requirements. 

I have made multiple attempts to resolve these issues directly with the credit bureaus, but they have failed to adequately investigate or provide documentation validating these accounts. These fraudulent accounts have significantly impacted my credit score, and I am seeking the CFPBs assistance in removing these items and ensuring a proper investigation is conducted.