Consumer complaint received 2025-03-27 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: NC

Complaint narrative:
I am writing to formally request your assistance in resolving fraudulent activity on my credit report and securing a fraud alert or credit block. I have been a victim of identity misuse by close family members, which has significantly impacted my financial and personal well-being. 

In 2009, I was diagnosed with XXXX, and due to my condition, I have not personally managed my own financial accounts. During this time, family members took control of my accounts and, without my authorization, opened new accounts, disputed charges, and made payments while impersonating me. It has recently come to my attention that they have also initiated disputes on my behalf using inconsistent explanations, which has further complicated my credit profile. 

I can provide medical documentation proving that I have been in and out of hospitals and have lacked the capacity to manage my personal affairs. Additionally, I only recently revoked a power of attorney held by my mother, further proving that I did not have control over my finances during this period. 

I recently discovered the following unauthorized actions taken in my name : Accounts opened without my knowledge or consent A judgment entered against me resulting from a summons I was never made aware ofmy mother accepted service of this summons without my knowledge, causing me to miss the court appearance. 
A drivers license issued in my name without my consent. 
Despite my efforts to clear my name, the credit bureaus have refused to place a fraud alert or block on my report, citing prior activity as a reason for denial. I am deeply concerned because I did not authorize any of these actions. The disputes submitted by my family members have not accurately reflected the reality that I was not the one opening or managing these accounts. 

I am not seeking to prosecute my family members, but I deserve an accurate credit report that reflects only the accounts and actions I have personally authorized. I am desperately seeking assistance to clear my name and protect my financial future. 

I kindly request the following : A thorough investigation into the fraudulent activity on my credit report. 
A fraud alert or credit block to prevent further unauthorized actions. 
Correction or removal of accounts and judgments that were opened or incurred without my consent. 
I am willing to provide medical records, police reports, and any other evidence required to substantiate my claims and assist in your investigation. 

Thank you for your time and consideration. I trust that the Consumer Financial Protection Bureau will help me obtain the fair treatment and resolution that I deserve. 

Sincerely, XXXX XXXX XXXX I also will do facial recognition and provide my passport for authentication

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