Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
Subject : Request for Immediate Removal of Fraudulent XXXX Account Due to Identity Theft ( Corrections to a similar complaint that was sent ) To Whom It XXXX Concern, I am writing to formally dispute the inclusion of a XXXX account on my credit report, which I believe is the result of identity theft. The residential address linked to this account is not mine and does not appear anywhere on my credit report. Additionally, I was a victim of the XXXX data breach, which exposed my personal information and has since made me vulnerable to identity theft. 

At XXXX point, my mail was diverted from my correct address to another location without my authorization. Upon discovering this issue, I promptly resolved it with the U.S. Postal Service. Despite my efforts, it seems that this unauthorized activity has resulted in fraudulent accounts being opened in my name. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( c ) ( 2 ), credit reporting agencies are required to block information resulting from identity theft within XXXX business days of receiving a proper request. I am once again submitting a copy of my completed Identity Theft Affidavit and supporting documentation to confirm my identity and the fraudulent nature of this account. 

Additionally, case law supports my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized the duty of credit reporting agencies to ensure the accuracy of consumer reports, particularly when informed of inaccuracies. Further, in XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX, XXXX ), the court affirmed that credit bureaus must promptly act to correct errors and protect consumers under the FCRA. 

Given this context, I demand that Experian : Immediately block the reporting of the fraudulent XXXX account in compliance with FCRA Section 605B ( c ) ( 2 ). 

Provide written confirmation that the account has been removed from my credit report. 

Cease any further reporting of this fraudulent account to other credit bureaus or creditors. 

I trust that Experian will act promptly to correct this matter. Failure to comply with the FCRA requirements XXXX leave me with no choice but to escalate this issue further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action if necessary. 

Thank you for your immediate attention to this matter. So, basically what happened is that some one opened up an account with XXXX using my particulars and then diverted the mail to there address as I never got or used a card from XXXX. The law clearly states that since I am a victim of identity theft and fraud then this item should be deleted from my credit report.

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