Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Request for Removal of Fraudulent Accounts from My Credit Report Dear Experian Dispute Department, I am writing to formally dispute several accounts on my Experian credit report that I did not open, authorize, or recognize. These accounts have been opened fraudulently in my name, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Upon reviewing my credit file, I identified the following accounts that I did not initiate : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$39000.00} XXXX. Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Amount : {$50000.00} I request that you conduct a thorough investigation into these accounts, as they are clearly the result of identity theft. According to the FCRA, specifically 15 U.S.C. 1681c-2, I have the right to request the removal of fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681i, I am entitled to a prompt and fair investigation, and you are required to respond to my dispute within 30 days. 
Steps Taken to Protect My Identity : Filed a police report with the [ Name of Police Department ] regarding the fraud. 
Contacted the fraud departments of the creditors involved and placed fraud alerts on my accounts. 
Notified the Federal Trade Commission ( FTC ) and filed an identity theft report, a copy of which is included with this letter. 
Enclosed Documents to Assist in the Investigation : A copy of my government-issued photo ID ( e.g., driver 's license or passport ). 
A copy of a recent utility bill or other official mail verifying my current address. 
A copy of the police report filed for identity theft. 
FTC Identity Theft Affidavit ( if applicable ). 
A copy of my Experian credit report highlighting the fraudulent accounts. 
Request for Fraud Alert or Security Freeze : In addition to the removal of the fraudulent accounts, I also request that you place a fraud alert on my credit report or, if applicable, a security freeze to prevent further fraudulent activity. As I have already filed an identity theft report, this request is made in compliance with 15 U.S.C. 1681c-1. 
Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are obligated to investigate my dispute within 30 days of receiving this request, and I expect that the fraudulent accounts will be removed from my credit file as soon as possible. If you fail to conduct a reasonable investigation or do not respond within the required time frame, I will consider further actions to enforce my legal rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 
If the investigation finds that these accounts are indeed fraudulent, I expect to receive written confirmation that they have been fully removed from my credit report. Furthermore, I request that any related inquiries or derogatory marks associated with these fraudulent accounts also be removed from my file. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute. Should you require any further documentation, or if there are additional steps needed on my end, please contact me. 
Sincerely, XXXX XXXX XXXX Last XXXX Digits of XXXX : XXXX Date of Birth : XX/XX/XXXXXXXX XXXX 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