Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the XXXX XXXX XXXX as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements.

This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were 2 bankruptcies filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, multiple auto loans opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXXXXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile. 

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my SS Card. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.

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