Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint and request the immediate removal of fraudulent and inaccurate items that appear on my credit report, which were caused by identity theft. These items were opened in my name without my consent, and their continued presence on my credit report is causing significant harm to my credit score and financial stability. I am requesting the prompt removal of these items in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Section 605 ( b ) and Section 1681c-2.The following items on my credit report are the result of identity theft, unverifiable data, or inaccurate information, and I request their removal : XXXX XXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXX of Dispute : Identity TheftXXXX XXXX  ( Account # XXXX ) Current Balance : $ XXXX Opened : XX/XX/XXXX, XXXX of Dispute : Fraudulent Account ( Unverifiable ) XXXX XXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXX of Dispute : Inaccurate XXXX XXXX XXXX XXXX  ( Account # XXXX ) Current Balance : $ XXXX Opened : XX/XX/XXXX, XXXX of Dispute : Identity TheftXXXX XXXX XXXX XXXX ( Account # XXXX ) Current Balance : $ XXXX Reported : XX/XX/XXXX, XXXXNature of Dispute : Misleading/Incorrect ReportingLegal Basis for RequestUnder FCRA Section 605 ( b ), I have the legal right to request the removal of fraudulent information from my credit report if the information was the result of identity theft. Additionally, FCRA Section 1681c-2 requires that fraudulent accounts resulting from identity theft be removed from my credit report upon submission of appropriate documentation, such as a police report or Identity Theft Affidavit.I have attached an Identity Theft Affidavit to support my claim. These fraudulent accounts remain on my credit report despite my efforts to notify the affected creditors. Therefore, I am requesting immediate action to remove these accounts.Request for Immediate Action and Compliance with FCRAIn accordance with FCRA Sections 605 ( b ) and 1681c-2, I respectfully request the immediate removal of the above-listed accounts from my credit report. Given the ongoing harm these fraudulent and inaccurate entries are causing, I request that these items be removed within four ( 4 ) business days from the date of this letter.The continued presence of these items on my credit report is a direct violation of my rights under the FCRA and is severely impacting my creditworthiness and financial opportunities. I am requesting your immediate assistance to ensure my credit report is corrected in a timely manner.Supporting Documentation Please find attached the following documents to support my request : Identity Theft AffidavitCopy of my credit report highlighting the disputed itemsAdditional correspondence with creditors or fraud alerts ( if applicable ) I trust that the Consumer Financial Protection Bureau will take immediate action to investigate and ensure the swift removal of these fraudulent and inaccurate items from my credit report. I look forward to receiving confirmation of the removal of these accounts within four ( 4 ) business days.Please contact me immediately if additional information or clarification is required. I appreciate your prompt attention to this urgent matter.Sincerely, 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