Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
I am writing to report a case of identity theft, which has led to fraudulent accounts being opened in my name and subsequently reported to collections. This theft has resulted in severe financial and emotional distress. I am requesting that appropriate action be taken to address these violations under 15 U.S.C. 1681 ( the Fair Credit Reporting Act ). I have included ftc theft report numbers and have asked for these accounts to be removed from my credit report on several occasions. Experian has failed to verify that this information is reporting correctly or accurately, they have denied my certified mailed letters even when i attached proof of identity including my drivers license and have ignored me when i have asked for them to provide me with statements of verification. I need these accounts removed immediately from my credit report : XXXX XXXX XXXX account numbers : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : account numbers XXXX, XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX ; account numbers : XXXX, XXXX, XXXX. XXXX XXXX acct number : XXXX and XXXX XXXX account number : XXXX. 

Background : In XXXX, XXXX, XXXX and XXXX, I discovered that multiple accounts were opened fraudulently in my name without my consent. These accounts, which I did not authorize, are now being reported to collection agencies, severely damaging my credit report and score. I have already taken several steps to address the situation, including filing reports with local law enforcement, contacting the credit reporting agencies to dispute the information multiple times formerly and via certified mail, and notifying the relevant financial institutions about the fraudulent activity.

However, the fraudulent accounts continue to appear on my credit reports, and I am concerned about their continued reporting to collections.

Request for Action : Under 15 U.S.C. 1681c-2, I understand that creditors and collectors must promptly notify credit reporting agencies when information has been determined to be fraudulent. As these accounts are the result of identity theft, I respectfully request the following : Investigation and Removal : An immediate investigation into the fraudulent accounts listed on my credit report. I request that these accounts be flagged as fraudulent and removed from my credit history in compliance with 15 U.S.C. 1681i ( the dispute process ).

Notification of Collection Agencies : Contact any collection agencies that may be reporting these fraudulent debts to inform them of the identity theft. Please ensure these agencies cease reporting the fraudulent debts under 15 U.S.C. 1681c-2.

Credit Monitoring : I also request that a fraud alert be placed on my credit file and that I be provided with free access to my credit report as stipulated under 15 U.S.C. 1681g, to ensure that no further fraudulent activity occurs. 

Identity Theft Victim Protection : As per the protections outlined in 15 U.S.C. 1681h, I request that all relevant steps be taken to ensure my rights as a victim of identity theft are upheld, including the provision of documentation confirming the removal of fraudulent accounts.

I would appreciate your prompt attention to this matter, and I am available to provide any additional documentation or information required. Please confirm receipt of this statement and update me on the progress of my request. 

Thank you for your assistance.

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