Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to EXPERIAN, XXXX & XXXX And they are illegally reporting fraudulent information on my consumer report. I have filed a few FTC reports and have requested that the closed account with XXXX with the balance of {$2100.00} listed on my FTC REPORT Be removed from EXPERIAN, XXXX & XXXX. I have also requested that the closed account XXXX XXXX XXXXXXXX Be removed from my EXPERIAN Consumer report. It has been removed from my XXXX & XXXX Report but EXPERIAN keeps fraudulently reporting this account and says its verified which is false. EXPERIAN XXXX XXXX XXXX XXXX sent me correspondences saying " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' CONGRESS SAYS THAT 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

CONSUMER FINANCE PROTECTION BUREAU, Please stop EXPERIAN, XXXX & XXXX from sending me stalling station my request to block is made in error, my request to block information was based on a material misrepresentation, or I knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. THIS IS FALSE AND THESE ACCOUNTS NEED TO BE REMOVED. 

15 U.S.C 1681b states that a any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. NFCU Credit Card & Possible finance INC accounts are not mine so therefore I did not give permissible purpose for these fraudulent accounts to be placed on my consumer report and therefore made this situation IDENTITY THEFT! 

EXPERIAN, XXXX & XXXX Is making my life hard because EXPERIAN HASN'T REMOVED These two fraudulent accounts & XXXX & XXXX Hasn't removed the XXXX ACCOUNT And I have been denied credit because of so. 

I spoke with XXXX and the representative told me that I should send a letter to EXPERIAN, XXXX XXXX XXXX and request them to move the closed accounts but these companies keep giving me push back and making my life worse and worse & WORSE! 

I HAVE ATTACHED MY FTC REPORT, MY ID, MY BANK STATEMENT AS WELL. Please do not sent me a letter saying That this is an error as I am telling you no this is not an error.

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