Consumer complaint received 2024-09-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX  ) Dear Experian, I am writing to formally dispute the information reported on my credit report regarding the account with XXXX account XXXX XXXX XXXX which is listed as having been opened on XX/XX/XXXX. 

Account Details : Original Creditor : XXXX Account Type : Sales Contract Status : Closed, Account charged off Balance : {$84.00} written off Last Payment Date : XX/XX/XXXX Status Updated : XXXX XXXX XXXX Monthly Payment : {$0.00} Original Balance : Not specified Comments : Purchased by another lender Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Basis for Dispute : I assert that this account was opened fraudulently without my authorization. As such, I have provided both a police report and a Federal Trade Commission ( FTC ) identity theft affidavit, indicating that this account is a result of identity theft. 

In accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation and removal of any fraudulent accounts from my credit report. The information reported is inaccurate and unverifiable, and I request that you investigate this matter thoroughly. 

Request for XXXX : Please provide me with a physical copy of the original contract or application for this account, which must include my wet signature to verify that I authorized its opening. If such documentation can not be provided, I request that this account be removed from my credit report entirely. 

Conclusion : I expect your prompt attention to this matter and a response confirming the outcome of your investigation. Should you fail to rectify this situation, I will be compelled to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX RE : Dispute of Inaccurate Information on Account ( XXXX ) Dear XXXX, I am writing to formally dispute the information reported regarding my account with you, account number XXXX, which was opened on XX/XX/XXXX. 

Account Details : Account Type : Sales Contract Status : Closed, Account charged off Balance : {$84.00} written off Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Comments : Purchased by another lender Basis for Dispute : I assert that this account was opened fraudulently without my authorization. I have provided both a police report and a Federal Trade Commission ( FTC ) identity theft affidavit indicating that this account is a result of identity theft. 

Request for Verification : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you provide me with a physical copy of the original contract or application for this account, which must include my wet signature as proof of authorization. If you are unable to provide this documentation, I request that you remove the account from your records and cease any reporting related to it. 

Conclusion : I expect your prompt attention to this matter and a response confirming the outcome of your investigation within 30 days. Should this situation not be rectified, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your immediate attention to this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX RE : Formal Complaint Against Experian and XXXX for Violating XXXX XXXX Dear CFPB, I am writing to file a formal complaint against Experian and XXXX for their ongoing violations XXXX XXXX XXXX rights, specifically regarding the reporting of unverifiable information that is adversely affecting my creditworthiness. 

Background : I have disputed multiple fraudulent accounts reported to Experian, including an account with XXXXt ( account number XXXX ), which was opened without my authorization due to identity theft. I have provided both a police report and a Federal Trade Commission ( FTC ) identity theft affidavit to support my claims. 

Violations : 1. Failure to Block Fraudulent Accounts : Experian has failed to comply with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to block fraudulent information upon receipt of a valid identity theft report and police report. 
XXXX. Negligent Reporting Practices : Both Experian and XXXX XXXX XXXX report inaccurate and unverifiable information related to my accounts. They have not provided me with the original contracts or applications that would verify my authorization for these accounts, despite my requests. 
XXXX. Impact on Creditworthiness : The continued reporting of these fraudulent accounts has severely diminished my creditworthiness, affecting my ability to obtain credit and resulting in higher interest rates and financial hardship. 

Legal Context : These actions violate not only the FCRA but also California laws concerning accurate reporting. By neglecting to verify the legitimacy of the accounts and failing to act on the documentation of identity theft, both companies are exhibiting gross negligence in their responsibilities to consumers. 

Requested Action : I urge the CFPB to investigate the actions of Experian and XXXX regarding their handling of my accounts. I request that you ensure they comply with the FCRA and other applicable consumer protection laws to prevent further harm to my credit profile. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX