Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dear Sir/Madam, I am writing to inform you of a serious case of identity theft that has impacted my credit profile. Specifically, someone fraudulently purchased a vehicle in my name through XXXX. The account has since been charged off, and XXXX has already been compensated by the government. This account is not mine, and I demand its immediate removal from my credit report or update to reflect Paid in Full. Your continued reporting of this fraudulent account is illegal and damaging my ability to secure credit. 

This is a breach of my rights, and your refusal to act promptly is putting my financial future at risk. I demand immediate action to correct this. Your agencies inaction is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate information, especially in cases of identity theft. Failure to comply will result in further legal action. 

Legal Violations and Obligations Under the following laws, you are required to act immediately : Section 605B of the FCRA : Requires credit reporting agencies to block and remove any information that a consumer identifies as resulting from identity theft. Since I have notified you of this fraudulent account, you are legally obligated to remove it from my report immediately. 
Section 611 of the FCRA : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information. Failure to do so within the specified time frame is a violation of federal law.

Section 604 of the FCRA : Specifies that credit inquiries can only be made with the express consent of the consumer. Any inquiry resulting from identity theft must be removed immediately. 

Fraudulent Inquiries to Be Removed The following inquiries were made without my consent and must be removed immediately from my credit report : I XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These inquiries were made fraudulently, without my consent, and are damaging my credit profile. Per Section 604 of the FCRA, credit inquiries must have the explicit consent of the consumer, and none of these were authorized by me.

Breach of Rights by Credit Bureaus Your continued failure to remove this information, despite my filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), constitutes a violation of my rights under the FCRA. You are unlawfully allowing this inaccurate information to remain on my credit report. I demand that this issue is rectified within 48 hours. 

Conclusion Please confirm in writing once these fraudulent accounts and inquiries have been removed, and provide an updated copy of my credit report. If you fail to act within the stipulated time frame, I will pursue further legal action. 

Sincerely, XXXX XXXX