Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft and Inaccurate Investigations To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent accounts listed on my credit reports. These accounts are a direct result of identity theft and have been included in my Federal Trade Commission ( FTC ) Identity Theft Report, which is enclosed for your reference. Additionally, I was impacted by the Equifax data breach, further compromising my personal information and contributing to this identity theft. 

Request for Immediate Removal : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. I am demanding the immediate removal of all accounts listed in my FTC Identity Theft Report from my credit files with Experian, TransUnion, and Equifax. These accounts are not mine, and continued reporting is causing significant financial hardship and damage to my creditworthiness. 

( ( False Investigations and Ongoing Legal Actions : ) ) It is also crucial to note that Experian, TransUnion, and Equifax are currently facing legal actions for conducting false investigations and failing to comply with the FCRAs requirements for accuracy and proper investigation procedures. Your failure to adequately investigate and correct inaccuracies : Violates my consumer rights under the FCRA. 
Has resulted in continued reporting of fraudulent accounts, further damaging my financial standing. 
Demonstrates negligence, particularly in light of the well-documented security failures in the Equifax data breach.

Impact of Inaccurate Reporting and Hardship : Due to your false investigations and reporting of fraudulent accounts, I have faced the following hardships : Denial of credit applications.

Increased interest rates and unfavorable loan terms.

Emotional distress and financial instability.

Immediate Actions Required : Delete all fraudulent accounts list
ed in my FTC Identity Theft Report from my credit reports with Experian, TransUnion, and Equifax. Cease all reporting and collection activities related to these fraudulent accounts. Provide written confirmation of the removal within
30 days of receiving this letter.

Conduct a thorough investigation into your dispute handling process, ensuring compliance with FCRA requirements. 
( Attached ) FTC Identity Theft Report Failure to Comply and Legal Consequences : If my demands are not met promptly, I am prepared to escalate this matter by : ***Joining or pursuing legal action for damages caused by your failure to investigate accurately and your role in facilitating identity theft through inadequate data protection and false investigations. XXXX  Your prompt attention to this matter is required. I expect all fraudulent accounts to be removed and a complete resolution within 30 days. 

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