Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Urgent Dispute of Unauthorized and Fraudulent Accounts - FCRA Section 605b Dear Experian, I hope this letter finds you well. I am writing to you with grave concern regarding specific accounts that appear on my consumer report, which I assert are unauthorized and fraudulent. Under the provisions of Section 605b of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my consumer report and to seek timely resolution. As outlined in the FCRA, it is prohibited for consumer reporting agencies to report information that can not be verified or that is deemed inaccurate. The accounts in question have not been authorized by me, and without my consent, they violate my consumer rights. Such accounts not only tarnish my creditworthiness but also pose a significant threat to my financial security and personal identity. 
To substantiate my claims and facilitate the expedited resolution of this matter, I have enclosed a detailed Federal Trade Commission ( FTC ) report outlining my findings on the fraudulent nature of these accounts. Additionally, I have included a notarized affidavit of truth, which serves as a binding declaration of my allegations. This affidavit will stand as law if not appropriately rebutted, establishing the legitimacy of my claims and necessitating immediate action on your part. 
According to the guidelines set forth by the FCRA and the FTC, I expect these unauthorized and fraudulent accounts to be blocked and deleted from my consumer report within four business days from your receipt of this communication and the accompanying documentation. Please be advised that the failure to comply with these federal mandates not only jeopardizes your standing as a regulatory adherent but also increases the likelihood of my pursuing further remedies under the law. 
If these accounts are not removed as required, I will be compelled to escalate this matter through several channels, which may include the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to protect my interests. I am prepared to take these steps to ensure that my rights are upheld and that I am compensated for any damages resulting from the negligent reporting of these fraudulent accounts.

I can not stress enough the urgency of this matter. The ramifications of continued inaction could adversely affect my credit score, my potential for obtaining loans, and my overall financial stability. I trust you will recognize the seriousness of this situation and take swift and diligent action to rectify the inaccuracies present in my consumer report. 
Thank you for your immediate attention to this pressing issue. I look forward to your prompt response confirming the removal of these fraudulent accounts. 
Please do not hesitate to reach out should you require any additional information or clarification. 
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 explanation