Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTN : CFPB I need you to engage in enforcement action on my behalf against Experian. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Experian accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Experian, XXXX, and XXXX. I've attached proof that USPS delivered and signatures upon receipt. Fraudulent account due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im seeking {$1000.00} per violation. Invoice attached. I filed multiple disputes for this account. Experian has failed to remove this account. I filed three online, on 3 separate disputes Experian said it was verified. Im sure I filed a dispute more than 5 times for this account. I recently disputed XXXX XXXX accounts on consumer report that Experian refused to remove. XXXX did their investigation and found fraud was committed and request Experian to remove accounts. Email will be attached. Theres a lady thats handing my credit file and shes operating unfairly. Its a case of discrimination. I emailed Experian XXXX and awaiting a response. How can an account associated with identity theft be verified. Experian failed to show verification proof. Experian and are illegally reporting to my consumer report. I contacted XXXX XXXX and was told XXXX XXXX was not found. This is discrimination and defamation of character. If this account isnt removed I will be filing a federal lawsuit. I will be seeking monetary relief. Ive provided Experian in accordance to 15USC 1681c-2. Why is Experian committing fraud? I sent more than enough. Experian is continuously committing fraud and not being held accountable. I demand this account me removed ASAP!!! CFPB Im aware that youll have been receiving a surplus of complaints and XXXX is capitalizing from this. Please hold them accountable. XXXX and XXXX have deleted the account. Ive attached all 3 credit reports to show my reports doesnt match. Experian is the only agency reporting a bankruptcy. Only Experian is still illegally reporting this fraudulent bankruptcy. Experian is reporting multiply address on my report. There should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should be deleted. The identity theft has been using those addresses. The only address on my file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Experian needs to stop breaking the law and remove this fraudulent account. Congress put these laws in place to be enforced. No person or company is above the law. Experian isnt abiding by these laws. They must be held accountable. If not must be prosecuted to the full extent. Im a victim of Experian XXXX XXXX data breach and I have yet to receive my settlement. I called Experian about these inaccuracies on my credit report that needed to be removed immediately due to it causing extreme difficulties in my everyday life. All the incorrect addresses, invalid phone numbers, incorrect employees, bankruptcy, late payments on XXXX and XXXX XXXX XXXX. I was advised it would all be deleted in four days. I was also told that a dispute was not filed but request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Experian is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons I'm asking that ALL NEGATIVE closed account, charged off accounts, Bankruptcy, incorrect reporting invalids addresses, employers, phone number, incorrect spelling of names, to be removed from my credit report per federal law. So not only are these corporations violating my rights as a consumer they are blatantly lying in our faces. This issue is causing to be have XXXX XXXXd XXXX. I would like to be compensated. {$1000.00} per violation ; bankruptcy.

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