Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX To whom it may concern, I had been a victim of identity theft. My information was compromised due to the XXXX and XXXX data breach and I am noticing a lot negative reportings and accounts that I don't recognize and did not authorize to report to my credit report. According to 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 

Please delete the following items off of my credit file IMMEDIATELY! : XXXX : ( Account XXXX : XXXX ) : Do Not recognize account, open without my permission. Negative Reporting in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) Do Not recognize account, open without my permission, Negative reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) Negative reporting in XX/XX/XXXX XXXX XXXX : ( Account Number : XXXX ) Negative Reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : Negative Reporting in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) Negative Reporting in XX/XX/XXXX XXXX Card XXXX : ( Account Number : XXXX ) Negative Reporting in XX/XX/XXXX XXXX  XXXX : ( Account Number : XXXX ) : Negative Reporting in XX/XX/XXXX XXXX XXXX : ( Account Number : XXXX ) : Negative Reporting in XX/XX/XXXX, XX/XX/XXXX XXXX : ( Account Number : XXXX ) : Negative Reporting in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : Negative Reporting in XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION! 

According to 15 USC 1666b- Timing of payments ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion and the removal of negative reporting of the accounts listed IMMEDIATELY! Do not reply with a generic statement, I fully understand my rights that are allotted by me under the FCRA and with all do respect I do not need an update on your obligation to uphold the credit report and how the negative reporting will get deleted in 7 years. These reportings are in clear violation of the FCRA and to deny the right of removal would mean that you are in clear violation of consumer law and are violating my rights. This will be notated and reported to the appropriate parties. This is a serious matter these accounts and negative reporting are causing me a great deal of stress and financial ruin. I can not qualify for any financing or credit. I am currently homeless and living out of my car because I am unable to qualify for housing due to these false accounts and negative inquiries on my credit report. Please remove and delete the negative account off my credit file as per 15 USC 1681 c-2, 15 USC 1682b , 15 USC 1666b .

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