Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
To whom it may concern : I am a victim of identity theft and XXXX XXXX.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX  and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX and XXXX XXXX XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, 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