Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 of the accounts and inquiries listed below IMMEDIATELY. 

Fraudulent Collection/Negative Accounts XXXX XXXX  I Account Number : XXXX Account Opened : XXXX Balance : {$1100.00} Fraudulent/Negative Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XXXX Balance : {$14000.00} Continue next page Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX Account number : XXXX Collection Opened : XXXX Balance : {$3600.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Collection Opened : XXXX Balance : {$60000.00} Fraudulent Collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Collection Opened : XXXX Balance : {$34000.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Collection Opened : XXXX Balance : {$3600.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Date XXXX XXXX Balance : {$1300.00} Fraudulent Collection Accounts : XXXX AXXXX XXXX XXXX Account Number : XXXX Date : XXXX Balance : {$950.00} Fraudulent Collection Accounts PXXXX XXXX XXXX XXXXXXXX  Account Number XXXX Date : XXXX XXXX XXXX Balance : {$1100.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX DATE : XXXX Balance : {$890.00} Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : XXXX DATE : XXXX Balance : {$2800.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : XXXX DATE : XXXX Balance XXXX {$3600.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : XXXX DATE : XXXX Balance : {$1300.00} Fraudulent Collection Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XXXX Balance : {$0.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : XXXX Date : XXXX Balance : {$1100.00} Fraudulent Collection Accounts : XXXXXXXX XXXX  XXXX Account Number : XXXX Date : XXXX Balance : $ - Inquiry Name US SM BUS ADMIN ODA Date : XXXX Inquiry Name : XXXX XXXX  Date : XXXX Inquiry Name : XXXXXXXX XXXX Date : 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 non-monetary relief