Consumer complaint received 2024-12-09 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: NM

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX Experian Dispute Division XXXX XXXX  XXXX XXXX, TX XXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX Fraudulent Inquiries & Dates : XXXX  XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX Main Financial : XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within 30 days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. Three examples include : XXXX. XXXX XXXX  Experian Information Solutions , Inc . 

Outcome : Plaintiff awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : 1. Immediately delete the fraudulent accounts and inquiries listed above. 


XXXX. Update my current address to XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX. 


XXXX. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID

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