Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: TX
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:
In XXXX my wallet was stolen from me, it contained all my personal identifying information. MY driver license, debit cards, credit cards, social security card as well as insurance information for myself and my children. I replaced my ID, SSN card and canceled my debit/credit cards. However, someone has fraudulently opened accounts in my name on numerous occasions as well as made hard inquiries with my information all without my knowledge. After contacting Experian by phone I was told the information I needed to submit in order to have the fraudulent accounts blocked from my credit report. On XX/XX/XXXX I mailed a Federal Trade Commission Identity Theft Report to Experian at XXXX XXXX  XXXX, XXXX TX XXXX. This certified letter with return receipt was received and picked up on XX/XX/XXXX by Experian see attached documents for proof. On the FTC ID theft report I listed the following account as FRAUD " XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  '' Account number XXXX opened in XX/XX/XXXX and " XXXX XXXX '' Account number XXXX opened inXX/XX/XXXX. I have contacted Experian on numerous occasions spoke to numerous customer service agents as well as the fraud department disputing these accounts but yet Experian continues to report the inaccurate information on my credit file. This is unacceptable. I have not heard anything back from Experian regarding my ID theft Affidavit and am extremely upset. I am officially challenging your right to report the erroneous information listed on my credit report. You are not supposed to be storing information in your files as it is provided to you by creditors. THE LAW says you are supposed to verify and validate the information supplied to you first. These accounts do not belong to me and should be BLOCKED from my credit file. Please be advised that according to FCRA SECTION 605 ( a ) Block. Except as otherwise provided in this section, 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. I have provided all this info by certified mail and through fax. All I want as a consumer is to have an accurate credit file. I have utilized all my available resources. Please see all the attachments I have provided. I want these accounts BLOCKED from my credit file as stated by FCRA Section 605, the 4 day period has passed you should have more than enough information. Should you fail to follow the LAW and continue to report fraudulent information under my SSN I will file complaints with BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED. As well as seek the assistance of an attorney. Thank you!

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