Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, MN XXXX USA Subject : Complaint Regarding Unauthorized Application and Request for Removal from Credit Profile Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an unauthorized application made in my name and to request the immediate removal of this application from my credit profile. I recently discovered that an application was made without my knowledge or consent, which has negatively impacted my creditworthiness and financial well-being. I kindly request your prompt attention to this matter. 

To provide some context, I have never applied for any credit products or services with XXXX or XXXX. However, I was shocked to discover that an application was made in my name without my knowledge or authorization. This unauthorized application has had a significant adverse effect on my credit profile and has made it difficult for me to obtain credit or secure favorable interest rates. 

I am deeply concerned about this unauthorized application and the potential implications it may have on my financial standing. I have taken immediate steps to protect my personal information and have reported this incident to the appropriate authorities. However, I now request that XXXX and XXXX take immediate action to rectify this situation and remove the unauthorized application from my credit profile. 

I kindly ask that XXXX and XXXX conduct a thorough investigation into this matter to determine how this unauthorized application was made and how my personal information was accessed without my consent. I also request that XXXX and XXXX provide me with a detailed explanation of the steps taken to rectify this situation and prevent a recurrence in the future. 

Enclosed with this letter, please find copies of relevant documents, including any correspondence or statements related to this unauthorized application. These documents serve as evidence of the unauthorized application and the negative impact it has had on my credit profile. 

I urge XXXX and XXXX to address this matter promptly and take all necessary actions to remove the unauthorized application from my credit profile. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me. 

I appreciate your immediate attention to this matter and expect a timely response within [ number of days ] of receiving this letter. Please provide me with updates regarding the progress of this complaint and any further actions I should take. 

Thank you for your prompt consideration and cooperation in resolving this issue. 

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 non-monetary relief