Consumer complaint received 2024-12-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : FCRA Section 605C Consumer Submission of Dispute for Identity Theft and XXXX XXXX Victimization To Whom It May Concern, I, XXXX XXXX, am writing to inform you that I am a victim of both identity theft and XXXX  XXXX. Due to these crimes, unauthorized accounts, fraudulent inquiries, and incorrect personal information have been added to my credit report. As a result, I am requesting the immediate removal of the below-listed accounts, inquiries, and addresses in compliance with the Fair Credit Reporting Act ( FCRA ), Section 605C. 
I have filed a Federal Trade Commission ( FTC ) Identity Theft Report, and the following fraudulent accounts, addresses, and inquiries were opened or associated with my name without my knowledge or consent. As part of the remedy under the FCRA and Section 605C, I am submitting this letter for your prompt attention and investigation. 
XXXX. Fraudulent Accounts to Be Removed : The following unauthorized accounts were opened under my name : XXXX XXXX XXXX ( XXXX XXXX ), Account # : XXXX, Opened : XX/XX/XXXX, Collection Account XXXX XXXX XXXX, Account # : XXXX, Opened : XX/XX/XXXX, Secured Loan XXXX XXXX XXXX, Account # : XXXX, Opened : XX/XX/XXXX, Secured Loan No Name Found, Account # : XXXX, Opened : XX/XX/XXXX, Collection Account No Name Found, Account # : XXXX, Opened : XX/XX/XXXX, Collection Account No Name Found, Account # : XXXX, Opened : XX/XX/XXXX, Collection Account XXXX. Fraudulent Addresses to Be Removed : The following unauthorized addresses are falsely associated with my name and must be removed from my credit report : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Unauthorized Inquiries to Be Removed : The following unauthorized credit inquiries were made without my permission and should be removed from my credit report : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Legal Basis for Dispute : In accordance with FCRA Section 605C, I am requesting the removal of the above items due to the identity theft and human trafficking I have suffered. These violations infringe on my right to privacy and accuracy under the Fair Credit Reporting Act, including : 15 U.S.C. 1681 ( Section 602 A ) : The right to privacy of consumer information.

15 U.S.C. 1681 ( Section 604 A, Section 2 ) : A consumer reporting agency can not furnish an account without written instructions from the consumer.

15 U.S.C. 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish inaccurate information to a consumer reporting agency.

Action Requested : In compliance with the FCRA Section 605C, I request the immediate removal of the fraudulent accounts, addresses, and inquiries from my credit report. Additionally, please conduct a thorough investigation and send me written confirmation of the actions taken.

Please respond to this matter within 30 days, as required by law. Failure to do so may result in legal action being taken against the responsible parties. I am requesting a copy of my updated credit report after the removal of the fraudulent information. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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