Consumer complaint received 2024-12-04 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:
Consumer Financial Protection Bureau ( CFPB ) Complaint - Identity Theft Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Complaint Details : Nature of Complaint : Identity Theft and Fraudulent Accounts Issue Type : Inaccurate Information on Credit Report, Fraudulent Accounts Credit Bureau Involved : Experian Description of the Problem : I, XXXX XXXX, am submitting this complaint due to being a victim of identity theft and as a result of the XXXX XXXX  data breach. Numerous fraudulent accounts have been reported on my credit report that I did not open or authorize. These accounts are directly linked to the identity theft that I experienced, and I am requesting immediate action from XXXX to remove them from my credit report under the protections of the Fair Credit Reporting Act ( FCRA ), Under 15 USC 605B 1681c-2-c ( a ) Agency MUST remove any alleged pieces of information the consumer considers identity theft within 4 business days. 

Below is a list of the fraudulent accounts that I have identified on my credit report as a result of the identity theft : XXXX  ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX XXXX  ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX  ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX, Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX XXXX ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXX  ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. XXXX XXXX  ( Account # XXXX ) - Identity theft. Please remove from my credit report immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Identity theft. Please remove from my credit report immediately. 
As a result of these fraudulent accounts appearing on my credit report, I have experienced significant harm to my credi credit standing and personal finances. I request that you investigate these matters immediately under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 605B, and 609 dispute laws. These laws protect victims of identity theft by ensuring that fraudulent information is removed promptly upon notification. 

I respectfully request that Experian take the necessary steps to verify and remove the fraudulent accounts from my credit report as required by law. I have already reported this matter to the appropriate authorities and am in the process of filing identity theft reports. 



Actions Requested : Investigation of the fraudulent accounts listed above under the protections of FCRA, Sections 605B and 609. 
Immediate Removal of all fraudulent accounts from my credit report. Written Confirmation once the fraudulent accounts have been removed and my credit report is corrected. 


Attachments : Dispute letter Affidavit of Dispute and Truth Proof of Identity Driver license and social security card. 
FTC Identity theft report Local Law enforcement police report identity theft STATEMENT OF DESPUTE AND AFFIDAVIT OF TRUTH I expect a timely resolution of this issue and trust that credit agencies will follow the necessary procedures under the law to correct the inaccuracies on my credit report. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

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