Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In the process of my home buying process, I noticed the credit reporting agencies are still reporting fraudulent accounts and inquires within my credit file that is inaccurate information. It has been over thirty days and the creditor has not updated the information by deleting the negative activity nor has provided proof or documentation in regards to the fraudulent account hat is also reporting a late payment. The fraudulent account, it is now showing closed and reporting late payments months after closure. They have not supplied this information and they must delete the fraudulent account and late payments on my credit report. Under federal law they had thirty days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible. 


Account Name : XXXX XXXX Account # XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open this account nor did I authorize these inquires and that means that Experian is reporting an accounts that does not belong to me, which is a violation of the Fair Credit Reporting Act. 15 U.S Code 1681c-2 a consumer reporting agency must 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 the items below. It has been 30 days and Experian in violation of this law because I am a victim of identify theft and have submitted a copy of my drivers license, social security card, a utility bill, a valid police report from the police station zoned to me address and letter requesting this fraudulent item be blocked. Please assist with the deletion these items immediately.

These accounts should not be furnished in my consumer report as they are in violation.

Under 15 U.S Code 1681b Permissible purposes of consumer report ( s ) 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 INSTRUCTIONS of the consumer to whom it relates. This account does not belong to me. 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 again the deletion of this account.

I want to also point out that this account ( XXXX XXXX ) is also reporting as closed as of XX/XX/2023 however in XX/XX/2023 a late payment was reported. How can a closed account have late payments? Experian is in Direct Violation of the Fair Credit Reporting Act. 15 U.S Code 1681 Section 602A clearly states that I have a right to privacy. 15 U.S Code 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written consent or instructions. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report. 15 U.S Code 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose. 15 U.S Code 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose. As a federal consumer I am demanding again the deletion of this accounts immediately.

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