Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I trust this letter finds you ready to address a matter of significant urgency concerning the integrity of my credit report. However, given the gravity of the situation, trust and patience are virtues I can no longer afford. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I recently obtained a copy of my credit report and was appalled to discover the presence of blatantly fraudulent accounts that have maliciously marred my financial standing. The accounts in question, detailed below, are utterly fictitious and were not initiated or authorized by me : XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX CARD XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Let me be unequivocally clear : I did not open, request, or participate in any financial dealings with the aforementioned creditor. These entries are the result of a malicious act that has compromised my identity and wreaked havoc on my financial reputation. 

I demand an immediate and exhaustive investigation into this matter, and I insist that you take swift and decisive action to purge these fraudulent accounts from my credit report with immediate effect. The impact of these spurious entries on my creditworthiness is not only a gross violation of my financial standing but also an egregious affront to the principles of fairness and accuracy that should define the credit reporting system. 

I expect nothing short of an aggressive pursuit of the truth and an unwavering commitment to rectifying this grave error. The clock is ticking, and the longer these fictitious accounts persist on my credit report, the greater the damage to my financial credibility and the more severe the consequences for those responsible. 

I demand a written response within 15 days outlining the steps being taken to rectify this situation, as well as a detailed plan for the swift removal of these fraudulent accounts. Failure to meet this deadline will leave me with no choice but to pursue legal remedies available to me under the Fair Credit Reporting Act ( FCRA ). 

This is not a plea for your assistance ; it is a demand for the immediate restoration of justice and accuracy to my credit report. I trust that you comprehend the urgency and severity of this matter and will act accordingly. 

I await your prompt and decisive response.

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