Consumer complaint received 2024-12-25 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:
Subject : Dispute and Request for Removal of Fraudulent Charge-Off Accounts from Experian Credit Report Dear Sir/Madam, I am writing to file a formal complaint and request the immediate removal of fraudulent charge-off accounts from my Experian credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ) and Experian 's policies, these fraudulent entries must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent accounts are as follows : XXXX. XXXX XXXX Number : XXXX - Balance : {$5900.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$5000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX Number : XXXX - Balance : {$1300.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$1000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Number : XXXX - Balance : {$16000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$15000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$21000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$20000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card This information is the result of identity theft and does not accurately reflect my credit history. I have also taken steps to have these accounts suppressed by XXXX XXXX XXXX, where they were deemed unverifiable. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ), as well as the documentation from XXXX, for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Experian, these fraudulent charge-off accounts continue to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the CFPB to intervene and ensure that Experian promptly investigates these disputed accounts and removes them from my credit report. I have attached copies of my identity theft report filed with the Federal Trade Commission ( FTC ), police reports, and any other relevant documentation to substantiate my claim. 

I trust that the CFPB will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.

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