Consumer complaint received 2024-09-09
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. (MD)

To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the fraudulent and inaccurate information currently reflected in my credit reports with XXXX, XXXX, and Experian. In XXXX  I became a victim of identity theft, resulting in someone attempting to file a fraudulent tax return using my personal information. To mitigate this, I was forced to create a special Identity Protection PIN ( XXXX XXXX ) with the IRS. 

Since the identity theft, I have identified multiple inaccuracies across all three major credit bureaus, including : Accounts opened without my authorization, listed under my name. 
Debts falsely attributed to me, with balances from companies I have never conducted business with.

Collection accounts that have been reported without my knowledge or consent.

Inquiries and negative entries that are based on fraudulent activities. 
Specific Inaccuracies on My Reports : XXXX : XXXX XXXX XXXX  XXXX : Incorrectly reporting a balance of {$4400.00}, marked as a charge-off, with a credit limit of {$4100.00}. 
XXXX XXXX XXXX : Reporting debts from a collection account for services I never used or authorized. 
XXXX XXXX : Account showing charge-offs and delinquencies I did not authorize. 
XXXX : Incorrectly showing a balance of {$2100.00}, with a delinquent payment status. 
XXXX : XXXX XXXX  : Reporting collections from accounts I have never opened. 
XXXX XXXX : Incorrectly reporting accounts in good standing for debts I never owed. 
Experian : XXXX XXXX  : Reporting collection activities on debts that I have no affiliation with. 
XXXX XXXX  : A collection account that is falsely attributed to me. 
I have never been contacted by the debt collectors or the companies reporting these debts, and I have not signed any documentation validating these claims. Furthermore, none of these entities obtained my explicit permission to share my personal information or open any accounts in my name. The reporting of these accounts without my consent and the lack of verification from the reporting entities have resulted in significant damage to my credit score. 

Violations of Federal Law : I believe the following federal laws have been violated in this situation : Fair Credit Reporting Act ( FCRA ) : Credit bureaus failed to maintain accurate and fair reporting. Despite my disputes, inaccurate information continues to be reported. 
Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors failed to validate the debts they reported and pursued unauthorized collection actions. 
Gramm-Leach-Bliley Act ( GLBA ) : My personal information has been improperly shared without my knowledge or permission, violating my privacy rights. 
Actions Taken : Filed a police report and initiated an identity theft investigation. 
Placed fraud alerts with all major credit bureaus ( XXXX, XXXX, and Experian ). 
Disputed the fraudulent transactions and demanded the removal of incorrect accounts from my credit report. 
I request that the inaccurate information listed above be thoroughly investigated and removed from my credit reports. Please provide confirmation of receipt and updates on the investigation status at your earliest convenience. 

Sincerely, XXXX XXXX [ Contact Information ]