Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX Subject : Formal Complaint Against XXXX for Illegal Activities Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX XXXX XXXX  regarding serious fraudulent activities associated with my credit report and their improper handling of accounts linked to both XXXX XXXX XXXX and XXXX XXXX 

I have observed that XXXX has continuously allowed the fraudulent opening and closing of an account associated with XXXX XXXX XXXX. During INVESTIGATION.This account has been misreported, with XXXX XXXX XXXX erroneously claiming that the alleged debt belongs to them, when in fact it originated with XXXX XXXX. 

The following points outline the specific issues I wish to bring to your attention : 1. **Fraudulent Account Misrepresentation** : XXXX XXXX XXXX is inaccurately representing the claim to alleged debt as their own, which is misleading and unfounded. I have no agreements or acknowledgments regarding this debt with XXXX XXXX XXXX. 

2. **Ongoing Misrepresentation of Debt** : XXXX has been fraudulently misrepresenting an accrual of this alleged debt on a month-to-month basis, despite the fact that this account has been closed and charged off for over five years. This ongoing misrepresentation is damaging my creditworthiness and reflects a failure to update or verify the accuracy of the information in my credit report. 

3. **Failure to Investigate Disputes** : I have previously submitted disputes regarding these issues through the appropriate channels, yet my complaints have not been adequately addressed. XXXX has failed to conduct thorough investigations, allowing inaccuracies to persist on my credit report. 

4. **Impact on Creditworthiness** : The presence of this fraudulent account and the misrepresentations by both XXXX XXXX XXXX and XXXX XXXX have severely impacted my credit score and my ability to secure loans, credit, and other financial opportunities. 

Given the seriousness of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate XXXX 's practices concerning my credit report and the allegations of illegal activities tied to misrepresentations from both XXXX XXXX XXXX and XXXX XXXX It is essential that XXXX adheres to the Fair Credit Reporting Act and ensures the accuracy and integrity of the information reported to consumers. 

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me should you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX ] [ [ Attachment : Any supporting documentation related to the complaint, if available ]

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