Consumer complaint received 2024-04-13
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. (LA)

Today, I am addressing a serious issue where I've become a victim of fraudulent activity. In response, I've learned that the proper procedure is to file an identity theft report with the Federal Trade Commission, which can be done at https : //www.ftc.gov, under reference numbers XXXX & XXXX. The Fair Credit Reporting Act ( FCRA ), specifically Section 605b, mandates that Credit Reporting Agencies must remove any items from a consumers credit report that are identified in an identity theft report. To aid in the resolution of this matter, I have included documents that detail the accounts and inquiries incorrectly reported on my credit files. These entries were unauthorized and I have listed them below for clarity and action : EXPERIAN : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$440.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX XXXXXX/XX/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 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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX =========XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Balance Owed : {$440.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$7600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX =========XXXX  : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$18000.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$570.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$7600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), such items must be removed from my credit report within four business days of the agency receiving this notification.