Consumer complaint received 2024-02-21 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: GA

Complaint narrative:
I am writing to formally dispute the presence of an unauthorized account on my credit report and to request its immediate removal based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws.

Recently, I became aware of a fraudulent account listed on my credit report that I did not authorize, open, or consent to in any form. This account was the result of a scam wherein I was deceitfully manipulated into releasing personal and sensitive information under false pretenses. The perpetrators of this scam used my information to open an account in my name without my knowledge or approval, leading to a significant and unwarranted financial liability reported on my credit report. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681i ( Procedures in case of disputed accuracy ) and 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), I have the right to dispute inaccurate or fraudulent information in my credit file and to demand an investigation into these discrepancies. 

Additionally, the FCRA grants me the right to : Request the credit reporting agencies to block reporting information related to identity theft ( 15 U.S.C. 1681c-2 ).

Have any inaccurate or fraudulent information corrected or removed from my credit report within 30 days of my dispute ( 15 U.S.C. 1681i ). 
Place a fraud alert on my credit report to prevent further identity theft or fraud ( 15 U.S.C. 1681c-1 ). 
I assert that I am a victim of fraud and identity theft, as defined by the FCRA, and I have taken the following steps in accordance with the law : Placed a fraud alert on my credit files with all major credit bureaus. 
Reported the fraud to the Federal Trade Commission ( FTC ) and obtained an Identity Theft Report. 
Filed a report with my local law enforcement agency. 
Enclosed with this letter are copies of the FTC Identity Theft Report, the police report, and documentation highlighting the fraudulent account on my credit report for your review and action. 

Given the circumstances and in accordance with the FCRA, I request a thorough investigation into this matter, the removal of the fraudulent account from my credit report, and confirmation that this correction has been made. Please ensure that this account and any associated inquiries or collections are permanently deleted, reflecting the true state of my credit history without the impact of this fraudulent activity. 

I appreciate your prompt attention to this serious issue and look forward to your response confirming the resolution of my dispute within the mandated 30-day period as required by the FCRA.

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