Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX URGENT DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNTS AND INQUIRIES To Whom It May Concern, This letter serves as an urgent and final notice for the immediate removal of fraudulent accounts and inquiries from my credit report, all of which result from identity theft. You are legally bound under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit file and to promptly investigate and remove unverified or fraudulent data.

Unlawful Reporting of Fraudulent Information Under 15 USC 1681b ( c ), credit reporting agencies are strictly prohibited from reporting inquiries or accounts that were not initiated by the consumer. The following fraudulent inquiries, which were made without my knowledge or consent, must be immediately deleted from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, and I am formally placing you on notice of this violation. It is your legal responsibility to correct these fraudulent entries immediately. Failure to do so constitutes a willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and exposes your agency to severe legal and financial penalties. 

Fraudulent Accounts : The following accounts have been fraudulently opened in my name and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Obligation for Immediate Action In accordance with 15 USC 1681c2 , consumer reporting agencies must block the reporting of information resulting from identity theft within 4 business days after receiving the following documentation : Proof of my identity ( enclosed ).

A copy of my FTC Identity Theft Report ( enclosed ).

A detailed list of fraudulent accounts ( provided above ). 
A signed statement confirming that these transactions are not related to me. 
Failure to comply is a violation of federal law and will not be tolerated. 

Demand for Immediate Resolution I demand the immediate removal of the fraudulent accounts and inquiries outlined above from my credit report. Additionally, I expect an updated copy of my credit report reflecting these changes as stipulated under 15 USC 1681c-1 ( 2 ), which guarantees access to a free credit report when a fraud alert is placed. 

Escalation Notice Be advised that if this matter is not resolved promptly and in full compliance with the law, I will escalate this issue to the following agencies : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX The Attorney Generals Office in both your state and mine I expect a written response confirming the removal of these fraudulent entries from my credit file within the legal time frame of 4 business days. Failure to meet this deadline will result in further action on my part, including but not limited to legal recourse and filing complaints with the above-listed agencies. 

This issue requires your immediate attention. I trust that you will handle this matter with the seriousness it warrants and resolve it without delay. 

Sincerely, XXXX XXXX Enclosures : Copy of ID Utility Bill ( Proof of Address ) Copy of Social Security Card FTC Identity Theft Report

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