Consumer complaint received 2024-09-19
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. (GA)

To Whom It May Concern, Formal Dispute and Notice of Intent to Sue Regarding Unauthorized Debt and Personal Information Misuse I am writing to formally dispute the debt that XXXX XXXX XXXX XXXX XXXX has placed on my credit report. This debt does not belong to me, I do not recognize it, and I have no contractual relationship with XXXX XXXX XXXX XXXX XXXX or any affiliated entities. Additionally, my private information, including my Social Security number, was illegally obtained, which constitutes identity theft. This letter also serves as a formal notice of my intent to pursue legal action if these issues are not promptly addressed. 

Illegally Purchased Debt and Identity Theft : XXXX XXXX XXXX XXXX XXXX has unlawfully acquired an alleged debt associated with my name, as well as my private information, including my Social Security number. I have never authorized this acquisition nor entered into any contractual relationship with your company. I do not know who you are, and this debt is not mine. By purchasing this information without my consent, you are engaging in identity theft and violating my privacy rights under federal law, including the Fair Credit Reporting Act ( FCRA ). 

Failure to Remove Account After Request for Deletion : Despite my previous requests, XXXX XXXX XXXX XXXX XXXX has failed to remove this fraudulent account from my credit reports with XXXX, XXXX, and Experian. Your continued reporting of this account has caused damage to my credit, and I demand that it be deleted immediately. Your failure to act upon my requests is a violation of my rights under the FCRA, and you are fully responsible for any harm caused by this unauthorized reporting. 

XXXX XXXX XXXX Account : Furthermore, I demand the immediate removal of the XXXX XXXX XXXX account that is currently listed on my credit reports. This account also does not belong to me, and I have no financial relationship with XXXX XXXX XXXX. The presence of this fraudulent account on my credit report is unjust and must be removed without delay. 

Notice of Intent to Sue : If this matter is not resolved within 3 days of receipt of this letter, I will pursue legal action for the following reasons : XXXX. Illegal acquisition and misuse of my private information and Social Security number, which amounts to identity theft. 
XXXX. Fraudulent and inaccurate reporting of debts that do not belong to me. 
XXXX. Failure to delete these fraudulent accounts after repeated requests, in violation of the FCRA. 

Additionally, I will file complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities to report your involvement in this identity theft and fraudulent reporting. 

Requested Actions : XXXX. Immediate deletion of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts from my credit reports with XXXX, XXXX, and Experian. 
XXXX. Written confirmation that these accounts have been removed from my credit report. 
XXXX. Confirmation that my personal information, including my Social Security number, has been permanently removed from your records and databases, and will not be used or shared in the future. 

Please confirm in writing that the requested actions have been completed within 3 days of receiving this letter. Failure to comply will result in legal action without further notice. 

Sincerely, XXXX XXXX