Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XXXX SSN : XXXX Experian Fraud Department XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Fraudulent Accounts Under FCRA Sections 609 and 605B Dear XXXX, I am writing to formally dispute the inaccurate information appearing on my credit report. Specifically, I have identified several accounts that were fraudulently opened in my name. These accounts are not mine, and I am requesting that they be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request all information in my credit file, including the details related to the fraudulent accounts. Please provide me with all relevant documentation and the steps taken to verify the accuracy of these accounts. Moreover, FCRA Section 605B allows me to block the reporting of any information that is the result of identity theft. I have enclosed a copy of an Identity Theft Report as proof of my identity theft claim I will also like to provide you with my police report number XXXX Reported at the XXXX Police Department XXXX XXXX. In accordance with the law, I request that you block and permanently remove these fraudulent accounts listed below from my credit report. Account XXXX XXXX XXXX Balance : {$200.00} Date Opened : XXXX Account : XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XXXX Account : XXXX XXXX XXXX Balance : {$11000.00} Date Opened : XXXX It is extremely important to me that my credit report reflects only accurate and fair information. The existence of these fraudulent accounts is causing significant damage to my creditworthiness and financial well-being. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to correct the inaccuracies promptly. Please confirm in writing that these accounts have been removed and provide me with an updated copy of my credit report once the investigation and corrections have been completed. I look forward to your timely response within the 30-day period as required by the FCRA. Furthermore I would like to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 609, and 605B. Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that information in my credit report is only provided for permissible purposes. However, I have been a victim of identity theft, and unauthorized transactions have been made using my personal information, violating this provision. According to 15 U.S.C. 609, I have the right to access and obtain all information in my credit file, yet I have encountered significant obstacles in receiving complete and accurate information regarding the fraudulent activity. Additionally, under 15 U.S.C. 605B, I am entitled to block this fraudulent information from appearing on my credit report, but my attempts to exercise this right have been hindered, leaving me vulnerable to further harm. I request immediate action to rectify these violations and safeguard my rights as a consumer. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of Government-issued ID Copy of Proof of Address ID Copy Of Social Security Card I have attached all the documents.