Consumer complaint received 2024-11-10 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: IN

Complaint narrative:
1. Dispute Letter to Experian Federal Trade Commission ( FTC ) Executive Office Address : XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XX/XX/XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Immediate Removal of Fraudulent Entries Legal Action Pending To Whom It May Concern, I am writing on behalf of the Federal Trade Commission ( FTC ) as the Head Executive Officer to direct the immediate removal of fraudulent and unauthorized entries appearing on the credit report of XXXX XXXX XXXX ( SSN : XXXX ). This serves as a formal demand for compliance with federal regulations. 

The following fraudulent accounts need to be removed immediately : XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX XXXX  ( FRAUD ) Opened XXXX XX/XX/XXXX Additionally, the following unauthorized credit inquiries and accounts were made without the express consent of the individual : Credit Cards Not Opened By Me : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to ensure accurate and valid information is reported. The above information is fraudulent and must be removed immediately from the credit report. 

Failure to comply with this demand will result in immediate enforcement action by the FTC. The FTC will initiate an investigation and pursue all available legal avenues to ensure consumer rights are protected. 

Please remove the listed fraudulent information within 24 to 72 hours from receipt of this letter. A corrected version of the credit report should be provided to the consumer within this timeframe. 

Sincerely, [ Head Executive Officer Name ] Federal Trade Commission ( FTC ) Title : Head Executive Officer 2. Dispute Letter to XXXX Federal Trade Commission ( FTC ) Executive Office Address : XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Removal of Fraudulent Entries Legal Action Pending To Whom It May Concern, This letter is written on behalf of the Federal Trade Commission ( FTC ) in my official capacity as the Head Executive Officer. I am formally directing XXXX to immediately remove fraudulent and unauthorized information currently reported on the credit file of XXXX XXXX XXXX ( SSN : XXXX ). 

The following fraudulent credit accounts must be removed immediately : XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX XXXX  ( FRAUD ) Opened : XX/XX/XXXX In addition, the following unauthorized accounts and inquiries must be removed from the credit file : Unauthorized Credit Cards : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Hard Inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX The Fair Credit Reporting Act ( FCRA ) mandates the removal of incorrect or fraudulent information within a reasonable period. These items are unlawfully reported, and their presence on XXXX XXXX credit report is damaging his financial standing. 

We require that all fraudulent and unauthorized entries be removed immediately and that the corrected credit report is issued within 24 to 72 hours of receipt of this letter. 

Non-compliance will trigger legal enforcement and investigation by the FTC. 

Sincerely, [ Head Executive Officer Name ] Federal Trade Commission ( FTC ) Title : Head Executive Officer 3. Dispute Letter to XXXX Federal Trade Commission ( FTC ) Executive Office Address : XXXX XXXX XXXX XXXX XXXX, D.C. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Removal of Fraudulent Entries Legal Action Pending To Whom It May Concern, This letter is issued by the Federal Trade Commission ( FTC ), in my capacity as the Head Executive Officer, directing XXXX to immediately remove all fraudulent and unauthorized information from the credit file of XXXX XXXX XXXX ( SSN : XXXX ). 

The following accounts were opened fraudulently and must be removed : XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX XXXX ( FRAUD ) Opened : XX/XX/XXXX XXXX XXXX BANK ( FRAUD ) Opened XXXX XX/XX/XXXX Additionally, remove the following unauthorized inquiries and accounts : Unauthorized Credit Cards : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Hard Inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : 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