Consumer complaint received 2024-12-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed 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 discovered the following accounts that were not initiated by me : 1. Account Name : XXXX ( XXXX & XXXX ) Account Number : XXXX Opened : XX/XX/year> Amount : {$430.00} XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Opened : XX/XX/year> Amount : {$2200.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX O XXXX XXXX INCORRECT INFORMATION ON MY REPORT : Name XXXX XXXX Also known as XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Employers XXXX XXXX Given that these accounts were fraudulently opened, I ask that you investigate the matter in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which entitles me to request the removal of fraudulent entries from my credit file. I am also entitled to a fair and timely investigation as per 15 U.S.C. 1681i, which requires a response within 30 days of this request. 
Actions Taken to Protect My Identity : - I filed a police report with [ Name of Police Department ] concerning this identity theft. 
- I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
- I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter. 
Documents Enclosed : - A copy of my ID - A recent utility bill or official mail showing my current address. - FTC Identity Theft Affidavit ( if applicable ). 

Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line 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 that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 
Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX 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 non-monetary relief