Consumer complaint received 2025-01-27 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX Legal department Formal Dispute of Fraudulent Accounts Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Dear Experian, I only have One Name : XXXX XXXX XXXX XXXX Only ) One Address : XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX XXXX Only ) Any other PII that differs from this information is fraud. Please Remove Any other name or address from my FICO consumer credit profile.

I am writing to formally dispute the presence of four fraudulent accounts on my FICO credit report, which are inaccurately reported by Experian. As a victim of identity t
heft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). To substantiate my claim, I have enclosed an FTC Identity Theft Affidavit along with other supporting documents. 

The fraudulent accounts that I do not recognize are as follows : XXXX. XXXX XXXX XXXX XXXX : Personal credit card opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : XXXX loan opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : Credit card opened on XX/XX/XXXX, account # XXXX. 
XXXX. XXXX XXXX XXXX XXXX : Personal credit card opened on XX/XX/XXXX, account # XXXX. 

These fraudulent accounts have led to inaccurate and damaging collection entries on my credit report, which do not belong to me. 

My Demands Under the FCRA and FDCPA 1. Immediate Removal of Fraudulent Accounts : I demand the permanent removal of the above-listed accounts from my credit report.

2. Cessation of Collection Activities : All collection activity related to these fraudulent accounts must cease immediately, as these debts are not valid.

3. Blocking of Fraudulent Information : In accordance with FCRA section 605B, ( 15 U.S.C. 1681c-2 ), I request that Experian block this fraudulent information from my Credit Report within Four ( 4 ) Business Days of receiving this letter.

Experian Legal Obligations I previously disputed these fraudulent accounts on XX/XX/XXXX and again on XX/XX/XXXX, but you failed to respond within the 30-day investigation period as required by law. Your continued inaction violates the FCRA and demonstrates non-compliance. Under the Doctrine of Estoppel by Silence, your failure to address my disputes may be interpreted as an inability to validate these accounts. 

Additionally, Experian has not provided any evidence, such as Original Purchase Agreements, proving these debts are legitimately attributed to me. 

Enclosed Supporting Documentation To assist in your investigation, I have included : A copy of my FTC Identity Theft Affidavit. 
A copy of my government-issued ID. 
A copy of my proof of address. 
A copy of my social security. 

Failure to act promptly and comply with the FCRA will leave me no choice but to escalate this matter further. Please note that I am aware the CFPB is actively litigating similar violations, and I reserve the right to join such actions should your non-compliance persist. 

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