Consumer complaint received 2024-09-08 00:00:00
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.
State: IA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Date : XX/XX/XXXXXXXX  To : Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Information from Credit Report Dear Experian, I am writing to request your immediate intervention to block and remove fraudulent information from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). This fraudulent information, resulting from identity theft, has been substantiated by an FTC Identity Theft Affidavit that I have filed. It is imperative that Experian acts promptly to resolve this matter in accordance with federal law.

Importance of FTC Affidavit and Immediate Action : FTC Identity Theft Affidavit : I have provided an FTC Identity Theft Affidavit ( FTC Identity Theft Criminal Complaint # XXXX ) to prove that the entries in question are the result of identity theft. This affidavit is a crucial document that validates the fraudulent nature of these accounts and necessitates their immediate removal from my credit report. 

Compliance with FCRA : Under the FCRA, Experian is required to block fraudulent information from my credit report within 4 business days of receiving an identity theft report. Given the seriousness of identity theft, I request that you expedite this process to ensure compliance with the law and protect my creditworthiness.

Legal Requirements and Urgency : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information within 4 business days. Please ensure that all fraudulent accounts, collections, and inquiries are removed promptly.

FCRA 611 ( 15 U.S.C. 1681i ) : Stipulates that disputed information must be deleted if it can not be verified within 30 days. Please investigate and resolve these disputes without delay.

FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Ensures that unverifiable information is deleted and does not reappear on the credit report. This is crucial to prevent any further impact on my credit score.

FCRA 616 ( 15 U.S.C. 1681n ) and 617 ( 15 U.S.C. 1681o ) : Provides for civil liability for willful and negligent non-compliance, emphasizing the need for timely and accurate action. 

Fraudulent Entries to be Blocked : Personal Credit Card with XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXXXXXX  Account Number : XXXX Personal Credit Card with XXXX XXXX  Opened On : XX/XX/XXXX Account Number : XXXX These fraudulent accounts have also led to several unauthorized hard inquiries and collections entries on my credit report. 

Supporting Documentation : FTC Identity Theft Affidavit : FTC Identity Theft Criminal Complaint # XXXX Immediate Block of Fraudulent Entries : Block all fraudulent accounts, collections, and inquiries from my credit report within 4 business days. Given the urgency of this matter, I request that you expedite this process to uphold consumer rights and prevent further harm to my credit. 

Verification Details : If any of these accounts are verified, provide detailed verification information as required under FCRA 611 ( 15 U.S.C. 1681i ) within 30 days, including the contact information for the data furnisher. 

Deletion if Verification Fails : If you are unable to verify the information, delete it from my credit report within 30 days and ensure it does not reappear, as mandated by FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Prohibition Against Reappearance : Ensure that these fraudulent entries are permanently removed and do not reappear on my credit report. 

Please send all written confirmation and documentation to my email address : XXXX 

Thank you for your immediate attention to this matter. I trust that Experian will act promptly to resolve these issues in compliance with federal law. 

Sincerely, XXXX XXXX

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 explanation