Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute an account that has been inaccurately reported on my credit file. This account is a result of identity theft, and I am requesting its immediate removal from my credit report, as required by law. 

The fraudulent account in question is identified as : Account Name/Number : [ XXXX XXXX XXXXXXXX XXXX XXXX  XXXX By : [ XXXX XXXX XXXX BANK XXXX Account Name/Number : [ XXXX XXXX ] Reported By : [ XXXX XXXX ] Account Name/Number : [ XXXX XXXX XXXX XXXX ] Reported XXXX : [ XXXX XXXX XXXX XXXX ] Account XXXX : [ XXXX XXXX XXXX XXXX ] Reported By : XXXX XXXX XXXX XXXX XXXX ] I have reviewed my credit report and confirmed that these accounts were opened without my knowledge or consent. I am a victim of identity theft, and I have taken the necessary steps to report this crime to the appropriate authorities.

I am requesting that you investigate this matter, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that a victim of identity theft may request the removal of fraudulent accounts from their credit file. As per the FCRA and the Identity Theft and Assumption Deterrence Act of 1998, I am entitled to dispute any accounts opened without my consent, and I am requesting the immediate removal of this account from my credit report. 

Additionally, I have attached the following documentation to support my claim : A copy of the Identity Theft Report I filed with my local law enforcement agency or the Federal Trade Commission ( FTC ). 

A copy of my government-issued ID ( to confirm my identity ). 

A copy of my Social Security card ( if relevant and necessary ). 

Any other supporting documents, such as a police report or FTC XXXX Theft Affidavit. 

I request that you complete your investigation within the XXXX period outlined in the FCRA and XXXX this fraudulent account from my credit report. If you require any further information to complete your investigation, please do not hesitate to contact me. I expect that any evidence of fraud or identity theft will be noted on my file, and I will receive a copy of the updated report once this dispute has been resolved. 

I appreciate your prompt attention to this serious matter and look forward to your confirmation that the fraudulent account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX [ Social Security Number ( last XXXX digits only ) XXXX ] Enclosures : Identity Theft Report Copy of Government-issued ID Copy of Social Security Card ( if applicable ) [ Any other supporting documents ]

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