Consumer complaint received 2024-10-12
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. (PR)

I am filing this complaint against Experian due to their failure to remove fraudulent accounts from my credit report, despite my status as a victim of both identity theft and the XXXX XXXX XXXX XXXX. My personal information was used without my consent to open the following fraudulent accounts : XXXX. XXXX  XXXX : Account XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX Account XXXX XXXX. XXXXXXXX XXXX : Account XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX. XXXX XXXX : Account XXXX XXXX. XXXX XXXX XXXX XXXX : Account XXXX XXXX. XXXX XXXX : Account XXXX XXXX. The XXXX XXXX : Account XXXX XXXX. XXXX XXXX : Account XXXX XXXX. XXXX Funding : Account XXXX I have submitted a Federal Trade Commission XXXX FTC ) identity theft report, which legally obligates Experian to block these fraudulent accounts within XXXX business days of receiving the documentation. As required by federal law, Experian must block these accounts and cease reporting them. Failure to comply would result in a violation of the following laws : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This law mandates that once a consumer provides an identity theft report, the credit reporting agency must block the reporting of fraudulent information within 4 business days. Experian is prohibited from continuing to report these fraudulent accounts.

2. Identity Theft and Assumption Deterrence Act : This law criminalizes the unauthorized use of another persons identity and mandates that entities like Experian must take immediate corrective action when an identity theft report is provided.

3. Debt Bondage Repair Act : This law protects victims of identity theft and trafficking, ensuring that fraudulent debts and accounts created as a result of these crimes must be promptly removed.

4. Fair Debt Collection Practices Act ( FDCPA ) : This act requires that fraudulent debts not be collected or reported by debt collectors or credit reporting agencies once proper documentation is provided.

5. Equal Credit Opportunity Act ( ECOA ) : Experians failure to block these items may also result in discrimination in my creditworthiness, which is prohibited under ECOA.

The FTC identity theft report that I have provided serves as official documentation, equivalent to a police report, and requires Experian to take immediate action. Experian is not required to contact the creditors to verify this information under the law, and they must act based on the identity theft report alone.

Failure to comply with these laws has caused significant harm to my financial standing and emotional well-being, and I seek urgent corrective action.

In support of this complaint, I have attached : 1. A copy of my FTC identity theft report, which serves as official documentation.

2. Proof of my involvement in the XXXX XXXX XXXX XXXX. 
XXXX. Copies of my drivers license and Social Security card for identity verification. 

I respectfully request that the CFPB ensure Experian complies with these legal requirements and promptly removes the fraudulent accounts from my credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX SSN : XXXX Date of Birth : XX/XX/year>