Consumer complaint received 2025-02-16 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: NY

Complaint narrative:
Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to dispute multiple accounts on my Experian credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I identified the following unauthorized accounts : Account Name XXXX XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : Paid in settlement, {$350.00} written offBalance : {$450.00} ( Status updated XX/XX/XXXX ) Highest Balance : {$630.00} Account Name : XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : Account charged off, {$14000.00} written offAmount Past Due : {$7200.00} as of XX/XX/XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were opened without my knowledge or consent, and I request that they be investigated and removed in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which provides for the removal of fraudulent entries. I am also entitled to a timely investigation, as outlined in 15 U.S.C. 1681i, which requires a response within 30 days of this request.

Actions Taken to Protect My Identity : I have filed a police report with regarding this identity theft. 
I contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
I have submitted an identity theft report to the Federal Trade Commission ( FTC ), which is included with this letter. 
Documents Enclosed : A copy of my government-issued ID A recent utility bill or official mail showing my current address. 
The police report for identity theft. 
FTC Identity Theft Affidavit ( if applicable ). 
A copy of my Experian credit report highlighting the fraudulent accounts. 
Request for Fraud Alert or Security Freeze : Along with the removal of these fraudulent accounts, I request that a fraud alert be placed on my credit report, or a security freeze if necessary, to prevent further unauthorized activity. This request is made in accordance with 15 U.S.C. 1681c-1. 
Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within 30 days of receiving this letter. I expect the fraudulent accounts to be removed from my credit file within this timeframe. If you fail to complete a proper investigation or respond within the required period, I will pursue further actions, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 
Upon completion of the investigation, I request written confirmation that these fraudulent accounts have been removed from my credit report. Additionally, please ensure that any inquiries or derogatory marks associated with these accounts are also removed. 
Thank you for your prompt attention to this matter. Should you require additional documentation or information, please contact me.

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