Consumer complaint received 2025-01-13 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:
XXXX XXXX Dispute of Fraudulent Accounts and Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute fraudulent accounts and inquiries that appear on my credit report. After reviewing my report, I have identified several unauthorized accounts and inquiries, which I believe are the result of identity theft. These items are negatively impacting my credit score and hindering my ability to obtain credit, including purchasing a home. Please investigate the following fraudulent accounts and inquiries and remove them from my credit report promptly. 

Fraudulent Account : XXXX XXXX XXXX 
Account Number : XXXX Amount : {$490.00} Account Status : Unknown Date Opened : [ Insert Date or " Unknown '' ] I did not open this account nor do I recognize the {$490.00} charge. Please investigate and remove this account from my credit file. 

Fraudulent Inquiries : The following inquiries were made without my consent or authorization. Please remove these fraudulent inquiries from my credit report : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX. XXXX, XXXX These inquiries were not authorized by me, and I believe they are fraudulent. I request that you remove these inquiries from my credit report. 

Relevant Laws and Rights : Under the Fair Credit Reporting Act ( FCRA ), specifically : Section 609 ( 15 U.S.C. 1681g ) grants consumers the right to dispute any inaccurate or incomplete information on their credit report.

Section 605B ( 15 U.S.C. 1681c-2 ) allows consumers to request the removal of fraudulent accounts and inquiries if they were victims of identity theft.

Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to investigate disputes within 30 days of receiving a dispute notice, and to correct or remove any information that is found to be inaccurate or unverifiable.

Additionally, under the Fair Credit Billing Act ( FCBA ), you are entitled to dispute fraudulent transactions and request that they be removed from your credit report.

I am requesting that you investigate these fraudulent accounts and inquiries immediately and take corrective action as required by law. I also request that you provide me with an updated copy of my credit report once these items have been removed.

I have enclosed a copy of my identification and proof of address to verify my identity. I ask that you complete this investigation within the time frame prescribed by the FCRA and provide me with written confirmation of the results. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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