Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Complaint:
I am writing to you to bring to your attention a serious matter concerning a fraudulent account that has appeared on my credit report. I have previously disputed this account, and it was removed from my credit report. However, to my dismay, the account has reappeared under a new account number with the same creditor, XXXX. 

I believe that this situation is a result of identity theft, and I am deeply concerned about the impact it is having on my financial well-being and overall living situation. I have enlisted the assistance of my attorney, and together, we have gathered substantial evidence indicating that the account in question was opened without my consent or verification, and without obtaining a wet ink signature from me. 

Furthermore, it has come to our attention that the birth year associated with this fraudulent account does not match mine, and the account was created using a fake birthday, along with a different social security number before on the previous account and now just the birthday on this i believe same account diffrent account number which i believe is the same account, This clear discrepancy should be evident upon a thorough investigation. 

I have already engaged in discussions with representatives from XXXX XXXX previously, and it appears that confidential information was shared between them and XXXX XXXX XXXX without my knowledge or authorization. This sharing of my sensitive information, including the last four digits of my actual social security number, further adds to the severity of this situation. 

I demand that a full and comprehensive investigation be conducted immediately to rectify this matter. It is your responsibility as a credit reporting agency to ensure the accuracy and validity of the information you furnish to creditors and lenders. 

I request the following actions be taken : A thorough investigation of the fraudulent account ( Account XXXX : XXXX ) with XXXX  including verification of the incorrect birth year and social security number associated with the account. 

Prompt removal of the fraudulent account from my credit report pending the investigation 's completion. 

A detailed report of the investigation 's findings, provided to me within 30 days of receiving this letter. 



Thank you for your attention to this matter, and I look forward to receiving your response.Please be advised that any delays or failure to conduct a proper investigation within the given time frame will leave me no choice but to pursue legal action against your agencies in a court of law. My attorney and I have already set a date for potential legal proceedings, and we intend to file a lawsuit against your agencies if this matter is not resolved satisfactorily. 

I expect prompt and effective action from your agency to rectify this situation and protect my rights as a consumer. Your cooperation in resolving this matter promptly will be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief