Consumer complaint received 2024-12-12 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: GA

Complaint narrative:
REQUEST FOR REMOVAL OF FRAUDULENT ACCOUNTS UNDER FCRA 605 ( B ) Experian, XXXX, and XXXX Subject : Request for Removal of Fraudulent Accounts under FCRA 605 ( b ) Dear Experian, XXXX, XXXX I am writing to formally dispute and request the immediate removal of fraudulent accounts and items appearing on my credit report as permitted under FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ). These accounts are the result of identity theft, as substantiated by my FTC Identity Theft Report. 

Identity Theft Report Information FTC Identity Theft Report Number : XXXX Date Filed : [ Date from Report, e.g., XX/XX/XXXX ] Fraudulent Accounts to Be Removed XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$2400.00} Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$37000.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$37000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$5500.00} Original Creditor : XXXX XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Legal Basis for Removal Under FCRA 605 ( b ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving : A copy of an FTC Identity Theft Report. 
A description of the fraudulent accounts. 
A statement indicating the items are not attributable to me. 
Additionally, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information and ensure its accuracy. Failure to remove inaccurate or unverifiable information violates the FCRA and may result in penalties. 
Demand for Verification Details : To ensure compliance, I request detailed documentation regarding the verification process for these accounts, including : Identification of the data furnisher contacted. 
Specific documentation provided to verify the disputed information. 
Confirmation that verification included more than basic details ( e.g., name, address, or Social Security number ). 
If the creditor fails to provide evidence substantiating my association with these accounts, they must be removed immediately under FCRA guidelines. 
Handling of Consumer Documentation : I am also concerned about how my personal information and supporting documentation have been handled in prior disputes. Per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), while credit reporting agencies may share documentation with the data furnisher, they are required to ensure this information is used solely for dispute resolution and not for any other purpose. Sharing my sensitive information ( e.g., Social Security number, address, and phone number ) beyond what is necessary for verification could expose me to further identity theft and violates privacy protections under the law.

Resolution Requested I request that the above-referenced fraudulent accounts and all associated hard inquiries be blocked and removed from my credit report immediately, as required by law. Furthermore, I request that each credit reporting agency ensure compliance and consistency across all reports to prevent discrepancies, as mandated by the FCRA. 
Additionally, I demand written assurance that my personal documentation provided for this dispute will only be shared for dispute resolution purposes and not used in any manner that could further compromise my privacy. Finally, I request a detailed explanation of the steps taken during the verification process for each account. 
Please send all correspondence regarding this matter to the address above or via email at XXXX. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal within the legally required timeframe. 
Sincerely, XXXX Enclosures : FTC Identity Theft Report List of Fraudulent Accounts Identification and Proof of Address

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