Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute and Request for Investigation of Fraudulent XXXX XXXX Account Dear CFPB, I am writing to formally dispute the information related to a XXXX XXXX XXXX XXXX XXXX. ( XXXX ) account that appears on my credit report. The account details are as follows : - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Account Type : ** Charge Card - **Status : ** Closed - **Balance : ** {$7400.00} - **Credit Limit : ** {$7400.00} - **Account Charged Off : ** {$7400.00} written off - **Past Due Amount : ** {$7400.00} as of XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX - **Comments : ** Account closed at credit grantor 's request ; account previously in dispute - investigation complete, reported by data furnisher. 

I assert that this account is fraudulent and not valid. I have never opened or authorized any such account with XXXX XXXX. Despite my previous disputes, this account remains on my credit report, causing significant harm to my credit rating and financial well-being. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this fraudulent account. This account has been on my credit report for a considerable amount of time, and its continued presence is unjustified and detrimental. 

I believe the continued reporting of this fraudulent account violates my rights under 15 U.S. Code 1681c-2, which requires consumer reporting agencies to block the reporting of information in a consumers file that the consumer identifies as information that resulted from an identity theft. 

Enclosed, you will find copies of my credit reports from Experian and XXXX that list the fraudulent account, along with any relevant correspondence I have had with XXXX XXXX and the credit reporting agencies. 

I request that the Consumer Financial Protection Bureau : XXXX. Initiate a thorough investigation into this fraudulent XXXX XXXX account. 
XXXX. Require XXXX XXXX to provide all documentation and information used to verify the account 's legitimacy. 
XXXX. Ensure the immediate removal of this account from my credit report with all credit reporting agencies. 
XXXX. Provide a written confirmation of the results of your investigation and the actions taken to resolve this matter. 

Additionally, Experian has informed me that the request to block this information was based on a material misrepresentation, which is incorrect. They provided three potential reasons for rescinding the block : material misrepresentation, an error agreed to in writing, or knowingly obtaining goods, services, or money from the blocked transaction. None of these reasons apply to my situation. 

**Reason for Disagreement : ** I disagree with Experian XXXX decision for the following reasons : XXXX. XXXXNo Material Misrepresentation : ** I have provided accurate and truthful information regarding the fraudulent nature of this account. There has been no misrepresentation on my part. 
XXXX. XXXXNo Error Agreement : ** I have not agreed in writing or otherwise that there was any error in the blocking of this information. In fact, I have consistently disputed the legitimacy of this account. 
XXXX. **No Receipt of Goods or Services : ** I have never knowingly obtained any goods, services, or money from the transactions related to this account. This account was opened without my knowledge or consent. 

Given these points, I request your intervention to rectify this matter and ensure my rights are protected. 

I appreciate your prompt attention to this issue and look forward to a swift resolution. Please contact me at XXXX or XXXX if you require any further information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : - Credit Reports from Experian and XXXX - Correspondence with XXXX XXXX and Credit Reporting Agencies XXXX FTC Report - Any additional supporting documentation