Consumer complaint received 2025-01-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to dispute multiple accounts on my credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I identified the following unauthorized account : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$30000.00} Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX Amount : {$3300.00} Account Name : XXXX Account XXXX Opened : XX/XX/XXXX Amount : {$4300.00} Account Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Opened : XX/XX/XXXX Amount : {$3400.00} Account Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX. XXXX XXXX ) Account Number : XXXX Opened : XXXX XXXX, XXXX Amount : {$1400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or consent, and I request that they be investigated and removed in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which provides for the removal of fraudulent entries. I am also entitled to a timely investigation, as outlined in 15 U.S.C. 1681i, which requires a response within 30 days of this request. 





Actions Taken to Protect My Identity : I have filed a police report with regarding this identity theft. 
I contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
I have submitted an identity theft report to the Federal Trade Commission ( FTC ), which is included with this letter. 
Documents Enclosed : A copy of my government-issued ID ( e.g., driver 's license or passport ). 
A recent utility bill or official mail showing my current address. 
FTC Identity Theft Affidavit.

Request for Fraud Alert or Security Freeze : Along with the removal of these fraudulent accounts, I request that a fraud alert be placed on my credit report, or a security freeze if necessary, to prevent further unauthorized activity. This request is made in accordance with 15 U.S.C. 1681c-1.

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect the fraudulent accounts to be removed from my credit file within this timeframe. If you fail to complete a proper investigation or respond within the required period, I will pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 
Upon completion of the investigation, I request written confirmation that these fraudulent accounts have been removed from my credit report. Additionally, please ensure that any inquiries or derogatory marks associated with these accounts are also removed. 
Thank you for your prompt attention to this matter. Should you require additional documentation or information. 
Sincerely, 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