Consumer complaint received 2024-09-12
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. (VI)

I am writing to seek your assistance regarding Experians refusal to remove fraudulent accounts from my credit report, despite my documented status as a XXXX XXXX XXXX XXXX and identity theft. 

I am a survivor of XXXX XXXX and was also affected by the XXXX XXXX XXXX XXXX, which compromised my Social Security Number and other personal information. Due to these circumstances, several fraudulent accounts were opened in my name without my consent or knowledge. Despite submitting all the necessary documentation to Experian, including proof of my XXXX XXXX status, they have refused to remove these fraudulent accounts from my credit report. 

Laws Protecting XXXX XXXX XXXX and Identity Theft Survivors : 1. XXXX Victims Protection Act ( TVPA ) : This federal law ensures that XXXX XXXX victims are not held liable for debts or fraudulent accounts incurred as a result of their exploitation. 
2. Survivors of XXXX XXXX Financial Obligations Act ( HTFOA ) : This law provides protections to survivors of XXXX XXXX by mandating the complete removal of coerced or fraudulent financial obligations from credit reports. 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : The FCRA requires credit reporting agencies, such as Experian, to block and remove fraudulent information from a credit report upon receipt of proper documentation, including an identity theft report or XXXX XXXX verification. 
4. FCRA Section 605C : This section of the FCRA specifically provides XXXX XXXX victims the right to have adverse items resulting from XXXX removed from their credit reports. My attached FCRA Section 605C Self-Attestation Form XXXX XXXX Victim Determination Documentation supports my request for the removal of these fraudulent accounts. 
5. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : This law prohibits debt collectors from attempting to collect on fraudulent debts incurred through XXXX XXXX. 
6. XXXX XXXX Survivors Rights Act ( HTSRA ) : This act ensures that survivors of XXXX XXXX can seek relief from financial obligations created as part of their exploitation. 
7. Gramm-Leach-Bliley Act ( GLBA ) and state-specific data breach notification laws : These laws require entities that handle personal data, such as Experian, to take immediate action when breaches occur, safeguarding the victims credit history. 

Despite submitting my FTC Identity Theft Report, proof of the XXXX XXXX XXXX XXXX, my government-issued identification, and my FCRA Section 605C Self-Attestation Form XXXX XXXX Victim Determination Documentation, Experian has refused to comply with their legal obligations to remove the fraudulent items from my credit report. 

Fraudulent Accounts Experian Has Refused to Remove : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX 5. XXXX Account XXXX : XXXX 6. XXXX XXXX Account Number : XXXX 7. XXXX XXXX XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX Request for CFPB Assistance : I kindly request that the CFPB intervene to require Experian to : 1. Remove the fraudulent accounts and related inquiries from my credit report in accordance with federal law. 
2. Provide me with a corrected credit report reflecting these changes. 
3. Ensure that no further collection efforts are pursued regarding these fraudulent accounts. 

Enclosed with this letter are the following documents : A copy of my FTC Identity Theft Report. 
A copy of proof of the XXXX XXXX XXXX XXXX. 
A copy of my government-issued ID. 
A copy of my FCRA Section 605C Self-Attestation Form XXXX XXXX  Victim Determination Documentation. 

Thank you for your attention to this serious matter. I trust the CFPB will take the necessary action to ensure my rights under federal law are upheld.