Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally notify you that I am a victim of identity theft. My credit report currently contains several fraudulent accounts and inquiries that I did not authorize, and I am seeking your assistance to have these items removed from my credit report immediately. 

To support my claim, I have enclosed the following documentation : My Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my driver 's license and Proof of my current address for identity verification In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that the credit reporting agencies block and remove the following fraudulent accounts and inquiries. These items should be removed from my credit file within the required four-day period after receiving this complaint, as mandated under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as FACTA provisions protecting consumers from identity theft : XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action XXXX : Remove from my credit report XXXX XXXX  XXXX ( Validate Account ) Account Number XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested XXXX Remove from my credit report XXXX XXXX  ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXXXXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report Additionally , I am invoking FCRA 611 ( a ) to request a full reinvestigation of these accounts. Any account or inquiry that can not be validated must be promptly deleted from my credit report. Furthermore, in compliance with FACTA, I expect the credit reporting agencies to take all necessary steps to ensure my credit file is updated and free of inaccurate or fraudulent information. 

Once these corrections have been made, I request an updated copy of my credit report be provided to me free of charge, as required under FCRA and FACTA.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of these actions and my updated credit report. 

Thank you for your assistance. 

Kind regards, 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