Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  Report To : Consumer Financial Protection Bureau ( CFPB ) To : XXXX, XXXX, Experian ( All Credit Bureaus ) Date : XX/XX/XXXX Subject : Report of Identity Theft and Fraudulent Activity Linked to XXXX XXXX  for XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX URGENT REPORT OF FRAUDULENT ACTIVITY AND XXXX XXXX LINKAGE Dear Sir/Madam, I, XXXX XXXX, XXXX XXXX this report to the Consumer Financial Protection Bureau XXXX CFPB XXXX and to XXXX, XXXX XXXX and Experian, as my name, personal information, and financial details have been unlawfully used to perpetrate fraudulent activities. I am concerned that my identity has been XXXX or otherwise exploited for fraudulent purposes, including the unauthorized creation of accounts and use of false addresses in my name. This report highlights the fraudulent activity that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) and may be related to broader XXXX XXXX or organized identity theft. 
Summary of Fraudulent Activity : Upon reviewing my credit reports as of XX/XX/XXXX, I discovered the following fraudulent activities that are indicative of identity theft. This information has likely been misused without my knowledge or consent. I suspect that these fraudulent actions may be linked to XXXX XXXX  or organized identity exploitation. Below is a list of fraudulent accounts and non-mailable addresses that have been reported under my identity. 
Fraudulent Non-Mailable Addresses The following addresses, which I have no knowledge of, appear on my credit report and are being used to further fraudulent activities. These addresses are non-mailable and have no connection to my true residential address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Accounts : I have identified several fraudulent accounts that have been opened in my name without my consent. These accounts do not reflect any transactions that I have authorized and appear to be part of a broader pattern of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Given the nature and scope of the fraudulent activity described above, I have serious concerns that this identity theft is linked to XXXX XXXX or the misuse of my personal information by criminal organizations. It is important that the proper authorities investigate the possibility that my personal information has been XXXX for exploitation and financial fraud. 
Request for Immediate Action : As a victim of identity theft, I request that the following actions be taken immediately : 1. Removal of Fraudulent Accounts : Please remove all fraudulent accounts listed above from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609 & 611.

2. Investigate the Fraudulent Activity : Please thoroughly investigate the fraudulent addresses and accounts to determine their origin and whether they are connected to identity theft or XXXX XXXX  
3. Notification to Law Enforcement : If any links to criminal activity, including XXXX XXXX  are found during your investigation, please notify the appropriate law enforcement authorities.

4. Expedited Resolution : In accordance with FCRA Section 1681, I ask that you resolve this matter within 30 days and provide written confirmation that all fraudulent activity has been removed from my credit reports.

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