Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
This letter serves as an official and urgent request that you, Experian, immediately block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts include : XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), and XXXX  XXXX ( Opened : XX/XX/XXXX ). These fraudulent hard inquiries consist of XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts and inquiries were not opened, initiated, or authorized by me. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer XXXX credit report. I do not recognize these accounts, and they must be removed immediately. Enclosed with this letter, you will find : XXXX. A list of the fraudulent accounts in question. XXXX. A copy of my consumer XXXX credit report, highlighting the fraudulent items. XXXX. A copy of the FTC Identity Theft Complaint ( XXXX ), confirms that these accounts are indeed the result of identity theft and fraud. I also wish to highlight the blatant inconsistency in the balance of the accounts, which differentiates balances with the same account numbers. This not only reflects negligence in verifying the accuracy of the information provided to you but also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), to which I am fully protected under the law. Given the harm caused by these inaccuracies, I demand that the accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.

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