Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally report the presence of fraudulent accounts opened by XXXX XXXX XXXX  on my Experian credit report. Despite my repeated attempts to resolve this matter directly with Experian, these accounts have not been permanently removed. I am now seeking your assistance to ensure the immediate and permanent removal of these fraudulent accounts from my credit report. 

Background : Fraudulent Accounts Information : Creditor : XXXX XXXX XXXX  Account Numbers : XXXX XXXX Discovered : XX/XX/year> Attempts to Resolve : I first contacted Experian to report the fraudulent accounts in XX/XX/year>. 
I followed up with Experian in XX/XX/year> and spoke with representatives at Experian and XXXX XXXX XXXX. 
I contacted Experian again on XX/XX/year>, and XX/XX/year>, and spoke with representatives at both organizations in XXXX. 
In each instance, I provided supporting documents, including a police report and an affidavit of identity theft. 
Despite these multiple follow-ups, the accounts have not been removed. 
Experian has yet to send me their detailed investigation report and has only provided an overview stating that they applied the accounts because they believe they are mine. I have repeatedly stated that these accounts do not belong to me, but this has not been reflected in their actions. 
I have filed three complaints with the Federal Trade Commission ( FTC ) and mailed letters to the bureaus demanding the removal of these accounts. 
Both Experian and XXXX XXXX XXXX  have not provided any depth of investigation into these fraudulent accounts. 
The continued presence of these fraudulent accounts is significantly hindering my credit report.

Applicable Laws : I believe my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws have been violated. The following sections specifically apply : FCRA Section 605B - Blocking of Information Resulting from Identity Theft : According to FCRA Section 605B, consumer reporting agencies must block the reporting of information that the consumer identifies as information resulting from identity theft, not later than 4 business days after receipt of proof of identity, a copy of an identity theft report, and the identification of the information to be blocked.

FCRA Section 611 - Procedure in Case of Disputed Accuracy : Under FCRA Section 611, if a consumer disputes the accuracy of any information contained in a consumers file, the consumer reporting agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
FCRA Section 623 - Responsibilities of Furnishers of Information : Furnishers of information, such as XXXX XXXX XXXX, are required under FCRA Section 623 to conduct an investigation with respect to disputed information and report the results to the consumer reporting agency. 
Request for Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervenes to ensure the immediate and permanent removal of the fraudulent accounts opened by XXXX XXXX XXXX  from my Experian credit report. The continued presence of these accounts is causing significant harm to my credit profile and financial wellbeing. 

Attachments : Affidavit of Identity Theft FTC Complaints I appreciate your prompt attention to this matter and look forward to a swift resolution.