Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
Dear Experian Dispute Department and all other credit bureaus and reporting companies, I am writing to formally dispute inaccurate and fraudulent information on my credit report, which I believe is a result of identity theft. Specifically, I have discovered that the Social Security number XXXX, which does not belong to me, has been erroneously linked to my credit profile. This has led to the inclusion of several unauthorized accounts and inquiries in my credit report. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Status : Account charged off. {$14000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
Balance : {$15000.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$350.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : {$4900.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX Balance : {$200.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX {$1100.00} Unauthorized Hard Inquiries : XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Section 605B of the FCRA specifically provides protections for identity theft victims, allowing them to block fraudulent information resulting from identity theft from appearing on their credit reports. Additionally, Section 623 ( a ) ( 6 ) requires furnishers of information to not report information they know or have reasonable cause to believe is inaccurate. 
IDENTITYTHEFT.GOV The inclusion of another individual 's Social Security number and the resulting accounts and inquiries on my credit report constitute violations of the FCRA. I request that Experian take the following actions : Immediate Removal : Delete all accounts and inquiries associated with the Social Security number XXXX from my credit report. 
Correction of Personal Information : Ensure that only my correct Social Security number is linked to my credit profile.

Fraud Alert Placement : Place an extended fraud alert on my credit file to prevent further fraudulent activities. 
I have enclosed a copy of my government-issued identification and proof of residence to verify my identity. Additionally, I have included a copy of the identity theft report I filed with the appropriate authorities. 

Please investigate this matter promptly and provide me with written confirmation of the removal of the fraudulent information. I appreciate your attention to this urgent issue. 

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