Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
I am writing to formally dispute a series of accounts that have been fraudulently opened in my name without my knowledge or consent. These accounts are negatively impacting my credit report with Experian, XXXX, and XXXX. I have been a victim of identity theft, and I am requesting the intervention of the Consumer Financial Protection Bureau ( CFPB ) to resolve this issue and ensure that the fraudulent accounts are removed from my credit reports. 

The following accounts, which I did not open or authorize, have been reported to the credit bureaus : XXXX XXXXXXXX Account Number : XXXX ( Experian, XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) XXXX Account Number : XXXX ( XXXX, Experian XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX ) XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX ( Experian, XXXX ) XXXX XXXX  Number XXXX XXXX ( XXXX, Experian ) XXXX XXXX XXXX Account Number : XXXX ( Experian ) XXXX XXXX XXXXXXXX XXXX Number : XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX  Number : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX XXXX Experian XXXX XXXX XXXX These accounts are the result of identity theft XXXX and I have already taken steps to report the fraud and safeguard my financial identity. The following applicable consumer protection laws govern my rights and support my dispute : Relevant U.S. Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit report. Specifically, 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies ( CRAs ) to investigate disputed information within 30 days.
Since I have not authorized these accounts, I am requesting that these fraudulent accounts be investigated and removed from my credit file.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 The Identity Theft and Assumption Deterrence Act criminalizes the unauthorized use of another persons personal information for financial gain. These accounts listed above were opened in my name without my consent, constituting identity theft. I have reported this fraud to the Federal Trade Commission ( FTC ) and local law enforcement.

Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq.

The Consumer Credit Protection Act requires the accurac
y of information reported by credit reporting agencies. The inclusion of these fraudulent accounts on my credit report violates my rights under this Act, as they do not reflect accurate information about my credit history.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair debt collection practices. I am asserting that these accounts have been fraudulently reported and are being wrongfully pursued by third-party debt collectors. I have not authorized these debts, and any collection activities related to these accounts are illegal under the FDCPA. 
I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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