Consumer complaint received 2025-04-07 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Accounts on Credit Reports Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute two unauthorized accounts appearing on my credit reports from Experian, XXXX, and XXXX. As a XXXX individual who no longer drives and manages finances on a fixed income, I have never applied for or obtained an auto loan or a credit card. I recently received notifications that my personal information was compromised in multiple data breaches, including those involving XXXX, XXXX, XXXX and XXXX XXXX and XXXX, and the XXXX XXXX XXXX. I believe these breaches have led to identity theft, resulting in the following fraudulent accounts being reported on my credit reports : XXXX XXXXl XXXX XXXX XXXX for {$19000.00} XXXX : XXXX XXXX with a balance of {$2000.00} These accounts are clearly fraudulent, as I have never applied for them. The presence of these unauthorized accounts violates several consumer protection laws : 1. 18 U.S.C. 1028A Aggravated Identity Theft : This statute imposes severe penalties for knowingly transferring, possessing, or using, without lawful authority, a means of identification of another person. The existence of these accounts indicates that my identity has been unlawfully used.

2. 31 U.S.C. 5118 : This law pertains to obligations and transactions in foreign currency, underscoring the importance of lawful financial practices. The unauthorized accounts reflect transactions that I did not authorize, contravening this statute.

3. 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports : This section mandates that obsolete accounts, including those resulting from identity theft, should not be included in consumer reports. Reporting these fraudulent accounts violates this provision.

4. 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy : This statute requires credit reporting agencies to promptly investigate and correct inaccurate information upon notification. The failure to remove these fraudulent accounts after my dispute violates this requirement.

5. 15 U.S.C. 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section obligates furnishers to ensure the accuracy of information provided to credit reporting agencies. Reporting fraudulent accounts breaches this duty.

6. 15 U.S.C. 1692c ( c ) Ceasing Communication : This provision addresses the cessation of communication upon request, relevant to the handling of disputed debts. Continued reporting of these accounts despite my disputes violates this statute.

Request : In light of the above, I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized Ally Financial and CitiCard accounts reported on my credit reports.

Ensure the immediate and permanent removal of these fraudulent accounts from Experian, XXXX, and XXXX credit reports. 
Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
Enclosures : Copy of my credit reports from Experian, XXXX, and XXXX highlighting the disputed accounts. 
Documentation related to the data breach notifications I received. 
Any additional relevant information supporting my dispute. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been permanently removed from my credit reports. 

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