Consumer complaint received 2024-04-26 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: TX

Complaint narrative:
I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7600.00} Status Open. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$20000.00} Status {$2600.00}. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX. 


Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation.

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies.

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein.

Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. 

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. 

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.

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