Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau Representatives, I am reaching out to request the immediate removal of two fraudulently opened bank accounts at XXXX XXXX XXXXXXXX in my name, without my consent. Although the bank has closed these accounts, they continue to appear on my credit report, negatively affecting my credit history. 

Details of the Fraudulent Accounts : Account 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to this fraud incident and has confirmed that these accounts are closed. However, the accounts still appear on my credit report. 

FTC Report Number : I am attaching the FTCs Identity Theft Report, with report number XXXX, to support my request to remove these fraudulent accounts. 

Violation of Consumer Protection Laws : This situation violates several federal laws that protect my rights as a consumer : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA establishes my right to dispute fraudulent information on my credit report and requires credit bureaus to remove incorrect information.

Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

The TILA requires lenders and financial institutions to take adequate measures to prevent fraud and protect consumers from unauthorized transactions. Opening fraudulent accounts in my name at Bank of America without my authorization suggests possible failures in the verification procedures.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028.

This law penalizes the unauthorized use of a persons identity to conduct unauthorized transactions. My identity was used to open these accounts without my authorization. 

Request : I respectfully request that the CFPB : XXXX XXXX XXXX XXXXXXXX and relevant credit bureaus to immediately remove any record related to these fraudulent accounts from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX identity verification process to prevent similar incidents from affecting other consumers. 
Consider imposing penalties on XXXX XXXX XXXX under the Truth in Lending Act and the Fair Credit Reporting Act. 
I appreciate your prompt attention and response to this matter. I do not authorize or request the inclusion of any fraud alert on 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