Consumer complaint received 2025-05-18 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:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Box XXXX XXXX, GA XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject XXXX  Identity Theft Report Request for Permanent Deletion of Fraudulent Credit Card Accounts Dear Experian, Equifax, and TransUnion, I am submitting this letter to notify your agencies of multiple fraudulent credit card accounts that have been opened in my name without my knowledge or consent. These accounts are now being reported on all three of my credit reports, despite the fact that I have never applied for or authorized any of them. 
I am a licensed beautician and conduct nearly all of my transactions in cash. I have never had a need for personal credit, and until recently, never even viewed my credit reports. I believe my personal information was compromised in multiple data breaches, which have resulted in unauthorized credit card accounts being opened in my name by identity thieves. 

Fraudulent Accounts That Must Be Deleted : XXXX XXXX XXXX XXXX {$1400.00} XXXX. XXXX  {$330.00} XXXX. XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$460.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX {$7900.00} XXXX. XXXXXXXX XXXX {$1400.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$1900.00} These accounts have severely harmed my credit, dropping my credit scores and resulting in debt collection calls and threats over balances I do not owe. I have no prior relationship with any of these creditors and have never authorized them to access my credit or report under my name. 

My Legal Rights Under the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information permanently removed : 1. 15 U.S.C. 1681e ( b ) You must maintain reasonable procedures to ensure accuracy 2. 15 U.S.C. 1681c-2 You are required to block identity theft-related items upon receipt of proper documentation 3. 15 U.S.C. 1681i You must investigate and delete unverifiable or disputed accounts 4. 15 U.S.C. 1681s-2 ( a ) Furnishers must report accurate information only My Formal Requests : 1. Permanently delete all fraudulent accounts listed above from my Experian, Equifax, and TransUnion credit reports 2. Block these accounts from future reinsertion under 15 U.S.C. 1681c-2 3. Provide a written confirmation of deletion and the results of your reinvestigation 4. Ensure full FCRA compliance by both your agencies and the furnishers of these accounts I have also filed an FTC Identity Theft Affidavit, which I am including with this letter along with supporting documents such as my credit reports and identification.

Thank you for your prompt attention. I expect full compliance with the FCRA and will continue to involve the CFPB and FTC as needed. 

Sincerely, 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 explanation