Consumer complaint received 2025-02-11 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:
Subject : Dispute of Fraudulent Credit and Collection Accounts Under FCRA Dear Experian, Equifax, and Transunion, I am writing to formally dispute fraudulent credit card and collection accounts appearing on my credit report. These accounts were fraudulently opened in my name while I was in and out of the hospital fighting for my life due to severe health conditions, including cXXXX XXXX XXXX XXXX XXXXXXXX. I have been under continuous medical care since XX/XX/year>, requiring multiple medications and a permanent defibrillator. At XXXX point, I even died on the operating table for XXXX minutes. 

I recently applied for a loan to purchase a truck and was shocked to discover unauthorized credit cards and addresses on my Experian, Equifax, and TransUnion credit reports. Upon reviewing my report with a salesperson, I realized someone had stolen my identity to obtain credit without my knowledge or consent. I immediately contacted each creditor to report this fraud, and after explaining my medical history and situation, they confirmed I was a victim of identity theft. They advised me to obtain an identity theft police report, which I have since filed with the XXXX XXXX Police Department, along with an FTC Identity Theft Affidavit. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am demanding the immediate removal of all fraudulent accounts, as I did not authorize or open them. The law mandates that credit bureaus block identity theft-related information upon receipt of an identity theft report. I am providing supporting documents, including my identity theft police report and FTC affidavit, as evidence that these accounts are fraudulent. 
The following fraudulent credit accounts must be permanently deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following fraudulent collection accounts must be permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below is a list of the addresses reporting on my XXXX bureau credit report that is not mine as well that I demand to have permanently deleted from my XXXX XXXX credit report : 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 I expect these items to be removed immediately in compliance with the FCRA. Please provide written confirmation once my credit file has been corrected. If these fraudulent accounts are not removed within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this urgent matter. Please contact me if additional information is needed. 

Sincerely, 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