Consumer complaint received 2024-08-17
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. (CA)

Here 's a sophisticated, creatively structured dispute letter for your scenario, crafted to disrupt automated systems like e-Oscar, while also incorporating specific legal references and relevant sections of the Fair Credit Reporting Act ( FCRA ) and 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 **Experian** XXXX XXXX XXXX XXXX  TX XXXX **Subject : ** Urgent Demand for Deletion of Fraudulent Accounts Identity Theft Complaint ( In Violation of FCRA 605B and 623 ( a ) ( 6 ) ) To Whom It May Concern, I write this letter with an undeniable air of urgency, fully cognizant of the rights and protections afforded to me under the Fair Credit Reporting Act ( FCRA ) and Californias robust consumer protection laws, including but not limited to the California Consumer Credit Reporting Agencies Act ( CCCRAA ) and the California Identity Theft Statute. As a consumer, I am appalled by Experians continued disregard for the clear-cut, overwhelming evidence I have provided to substantiate the fact that fraudulent accounts were opened in my name. 

Let me be clear : I have followed every proper protocol. On numerous occasions, I submitted a formal FTC Identity Theft Affidavit, as stipulated by FCRA 605B ( 15 U.S.C. 1681c-2 ), which specifically mandates that credit reporting agencies must block fraudulent information from a consumer 's report upon receipt of a valid identity theft report and supporting documentation. Yet, despite this legal mandate, your organization has inexplicably denied its validity, claiming an unwillingness to accept an FTC.gov affidavit downloaded directly from the Federal Trade Commissions official website. 

This blatant disregard for federal law is not only unconscionable but suggests a deliberate attempt to disregard the protections outlined under FCRA 623 ( a ) ( 6 ), which obligates furnishers to cease reporting fraudulent information once they have been notified of identity theft. Moreover, under FCRA 611 ( 15 U.S.C. 1681i ), you are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information, and the evidence provided, including my affidavit, renders any denial of this dispute a failure in your statutory duty. 

I submitted the following fraudulent accounts for removal : - 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 These accounts were not initiated by me, nor have I ever authorized their existence. The mere fact that Experian has chosen to retain these entries on my report despite the submission of an FTC Identity Theft Affidavit and all necessary documentation is a gross violation of FCRA 605B ( c ) and California Civil Code 1785.16. Further compounding the issue, your failure to block or remove these accounts within the prescribed four-day period following my valid identity theft report constitutes a further breach of both federal and state law. 

In addition to the legal infractions cited above, I find it necessary to address the question of discriminatory practice, as this refusal to remove fraudulent entries without a valid reason reeks of bias. Californias Unruh Civil Rights Act ( California Civil Code 51 ) prohibits discrimination in all business practices, including those of credit reporting agencies. I strongly suggest that Experian reconsider the ethical implications of their actions in light of this statute. 

I have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) under the guidance of FCRA 611 ( d ), and I am in the process of escalating this matter to the Office of the California Attorney General, as I believe Experian 's actions demonstrate a pattern of neglect and willful non-compliance.

To reiterate, I demand the immediate and complete removal of the fraudulent accounts from my Experian credit report under FCRA 605B and 611. Moreover, please confirm in writing that these accounts have been deleted, in accordance with FCRA 611 ( a ) ( 6 ). Should you require additional information, I am more than willing to provide it. However, given the extensive documentation I have already submitted, I find this request to be more than sufficient for your review. 

Should Experian fail to comply with these requests, I will be left with no choice but to pursue further legal remedies, including claims for damages under FCRA 616 and 617. 

I expect an immediate response and resolution to this matter within the statutory time limits. 

Sincerely, XXXX XXXX XXXX XXXX XXXX have attached the following documents for your review : California Identification XXXX XXXX Social Security XXXX XXXX XXXX XXXX ( FTC Report Number : XXXX ) Additional FTC Identity Theft ReportPrevious Complaint Filed with Experian ( Complaint Number : XXXX ) Recent pay stub showing my current address **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 **Experian** XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** Dispute of Unauthorized Accounts Due to Identity Theft Dear Experian XXXX I am writing to formally dispute the following information that appears on my Experian consumer report. I am a victim of identity theft, and I do not recognize the accounts listed below : - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ** Account number XXXX As these accounts were opened fraudulently, I request that they be removed from my credit report immediately. I have included a copy of the FTC Identity Theft Affidavit ( FTC Report Number : XXXX ), which details the identity theft I have experienced. 

For identification and address verification, I am also including copies of the following documents : - My California Identification Card/Driver License - My Social Security Card - A recent pay stub showing my current address Please investigate this matter and update my credit report accordingly. I would appreciate receiving written confirmation that these accounts have been removed. If you require any additional information, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, 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 XXXX XXXX XXXX XXXXXXXX XXXX Formal Complaint Regarding Experian 's Mishandling of Identity Theft and Unverified Information on My Credit ReportTo Whom It May Concern, I am submitting this formal complaint against Experian for their ongoing mishandling of fraudulent accounts that have appeared on my credit report as a result of identity theft, and their refusal to properly investigate and remove unverified and erroneous information from my file. Despite following all prescribed procedures and providing ample evidence, Experian has demonstrated a pattern of negligence, disregard for federal law, and outright indifference toward my situation, which is having a significant impact on my creditworthiness.To briefly outline the situation, I became aware of fraudulent accounts appearing on my Experian credit report earlier this year. I promptly submitted all required documentation, including :