Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple Unauthorized accounts THAT I DID NOT APPLY for on my credit file. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : {$690.00} Account # : XXXX XXXX XXXX XXXX : {$490.00} Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX DEPTEDXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Balance : {$490.00} Account # : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Balance : {$690.00} Account # : XXXX DEPT OF ED/XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Balance : {$690.00} Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$690.00} Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$490.00} Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance All these accounts are inaccurate and in violation of federal law and should be removed immediately, these accounts has hurt my ability to obtain credit!

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the inform
ation is, in fact, inaccurate.ce with metro 2 credit reporting. I have evidence to prove my case.

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 non-monetary relief