Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a fraud account on my credit report being reported by a company named XXXX I have never done any business with this company and the company is fraudulent I noticed they must have looked at my credit report and updated their mail to reflect my current address as I have never done any business with them. I have provided Experian the full police report and FTC report with all the proper information however, Experian has not DELETED this fraudulent information from my credit report. In addition, it is my belief that XXXX is providing fraudulent information to the credit bureau with regards to this account. There is no way there was any accounts on my credit report in the month of XX/XX/2023 because my credit report was locked so I know XXXX is providing fraudulent information to try and collect on some fraudulent account that I never opened they only have my address because they are using deceitful practices, they have my information and used it to look up my current address. However, Experian has not followed the federal guidelines in investigating this matter I have provided them a full legible police report including all pertinent information this report is also attached here. I have also attached the cover letter I sent to Experian attached to this complaint. Experian is refusing to delete this fraud account despite having all the correct information with regards to this being a fraud account. 

However, I received the below message from Experian on XX/XX/2023. 

Received by Experian XX/XX/2023 via Email : XXXX XXXX XXXX, According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. 

We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. 

In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. 

To view your rights, visit www.experian.com/fraudrights and www.experian.com/fcra. 

It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. 
We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. We are requesting additional information that you must provide in order for us to act upon your request. However, we have conveyed your dispute to the furnisher ( XXXX ) of the information directly. If you disputed a public record item, we conveyed your dispute to the vendor that collected the information from a public record. Once the dispute process is completed, we will notify you of the results. 

If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter. 

A valid identity theft report is an official report specifically complaining about identity theft that has been filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false. The identity theft report should include as many of the following elements as possible : Specific dates such as when the loss or theft of personal information occurred or when the fraud ( XXXX ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number. 
In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Also list each account and account number and any other information that you believe appears on your credit report due to identity theft. 

Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. 

The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. 

Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners.

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