Consumer complaint received 2024-07-04 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: WI

Complaint narrative:
To Whom It May Concern, I am writing to bring to your urgent attention the matter of identity theft that has severely impacted my credit profile and overall well-being. Despite multiple attempts to resolve this issue, the fraudulent XXXX XXXX credit card account remains on my credit report, causing ongoing distress and financial instability. 

Background of the Issue : My name is XXXX XXXX, and I have recently discovered that a XXXX XXXX credit card account was opened in my name without my consent. This fraudulent account is linked to an address at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have never lived at these addresses. I also have XXXX inaccurate spellings of my names on my credit profile as well that I have also tried to dispute but was unable. 

Upon closer inspection of the documentation provided by XXXX XXXX, I noticed that my name is also misspelled on the account. These discrepancies clearly indicate that the account was opened using stolen and incorrect personal information. 

Impact on My Credit Profile : The presence of this fraudulent account on my credit report has had a detrimental effect on my credit score. This unwarranted account has led to incorrect negative information being reported, which has significantly lowered my credit rating. As a result, I have been denied credit applications, faced higher interest rates, and experienced difficulty in securing loans and other financial services. This fraudulent account has tarnished my credit history, which I have worked diligently to maintain. 

Impact on My Personal Life : The impact of this identity theft extends far beyond my credit profile. The stress and anxiety caused by this situation have affected my daily life. I have had to spend countless hours attempting to resolve this issue, contacting credit bureaus, and dealing with the repercussions of someone unlawfully using my personal information. This has taken time away from my personal and professional life, causing immense frustration and mental distress. 

The fear of further misuse of my identity has also led me to take additional measures to protect myself, such as placing fraud alerts on my credit reports and monitoring my accounts closely. Despite these efforts, the fraudulent account remains, and the burden of proving my innocence has fallen solely on me. 

Steps Taken to Resolve the Issue : Contacting XXXX XXXX : I have reached out to XXXX XXXX to report the fraudulent account and provided them with evidence of the identity theft. Despite my efforts, the account has not been removed from my credit report. 

XXXX XXXX with XXXX : I have reported the identity theft to XXXX and have attached the confirmation of my report. This step was taken to ensure that there is an official record of the identity theft and to seek assistance in resolving the issue. 

Disputing with Credit Bureaus : I have disputed the fraudulent account with all three major credit bureausTransUnion, Experian, and XXXX. However, my disputes have not been successful in removing the account from my credit report. 

Providing Documentation : I have provided documentation, including my government-issued ID, which clearly shows my correct address and the correct spelling of my name. This evidence should be sufficient to prove that the account linked to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, does not belong to me. 

Request for Immediate Action : Given the severity of the situation and the impact it has had on my life, I am urgently requesting that this fraudulent XXXX XXXX credit card account be immediately removed from my credit report. The continued presence of this account is unjust and further exacerbates the harm caused by the identity theft. 

Legal Basis for Removal : According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and have it corrected or removed. The FCRA requires credit bureaus to investigate disputes and correct or delete any information that can not be verified as accurate. The fraudulent account in question clearly falls under this category, and I am entitled to have it removed from my credit report. 

Conclusion : In conclusion, I am a victim of identity theft, and the fraudulent XXXX XXXX credit card account associated with the address XXXX XXXX XXXX XXXX XXXX XXXX, and identification number XXXX, has caused significant harm to my credit profile and personal life. I have never lived at this address, and my name is misspelled on the account. Despite my efforts to resolve this issue through proper channels, the account remains on my credit report. 

I am requesting immediate action to remove this fraudulent account from my credit report. I have provided all necessary documentation to prove my identity and the fraudulent nature of the account. The Fair Credit Reporting Act entitles me to have this incorrect information removed, and I urge the credit bureaus to comply with this legal requirement promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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