Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Charge-Off Due to Inaccuracies [ XXXX ] Dear EXPERIAN Representative , I am writing to dispute and request an investigation into a charge-off account appearing on my credit report, which is the result of identity theft. I recently discovered that my personal information was unlawfully used without my consent, leading to the creation of this fraudulent account.

I have reason to believe My Identity was STOLEN back in or around XXXX. Multiple accounts including this one were opened with my information that I had no knowledge of. This account was fraudulently opened in or around XXXX XXXX XXXX ( More specifically XX/XX/XXXX ). This account is NOT mine. And ever since XXXX XXXX XXXX, it has been negatively impacting my credit and personal life.

I am writing to dispute the inaccurate information reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines, I request an immediate investigation and removal of the erroneous charge-off listed under account number [ XXXX ]. 

Upon reviewing my credit report, I noticed that the charge-off from [ XXXX XXXX XXXX XXXX  ] is inaccurately reported. The account is not mine. The account was fraudulently opened with my information. As per the Metro 2 Format, all data furnishers must report credit information accurately and completely. I believe this account has been misreported for the following reasons : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

1. **Inaccuracy in Reporting** : The account information is not consistent with the records I have from the creditor. The dates, amounts, or status of the charge-off do not match my records.

2. **Compliance with Metro 2 Guidelines** : The reporting of this charge-off does not comply with the standards set by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the Metro 2 Format. Inaccurate or incomplete data reporting is a violation of these guidelines.

3. **Fair Credit Reporting Act Violations** : Under the FCRA, specifically Section 611, consumers have the right to dispute inaccurate information on their credit reports. This charge-off is not substantiated by accurate records and should be removed to ensure compliance with federal laws.

I request that the credit bureau conduct a thorough investigation and rectify the inaccuracies regarding this charge-off. Please contact [ XXXX XXXXXXXX XXXX XXXX ] to verify the legitimacy of this dispute.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

On top of information being invalid and fraudulent. I have reported and disputed account multiple times, even called the company the account is through and tried to plea with them to remove it. The account is not mine, and I explained that to the credit companies and bureaus. It is negatively effecting my credit to where I cant even get a credit card, loan, even as much as a auto loan myself. I have no car and cant get one because of this account.

REMOVE THIS ACCOUNT IMMEDIATELY! IT HAS NO REASON TO BE ON MY CREDIT. And is effecting my livelihood very negatively.

Enclosed, please find copies of relevant documents to support my claim ( Drivers License & FTC Report ).

I appreciate your prompt attention to this matter and expect a resolution within the 30-day period stipulated by the FCRA. Please confirm the removal of this charge-off and send me an updated copy of my credit report once the investigation is complete.

Thank you for your assistance. 

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