Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: FL
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:
I was a victim of identity theft. I immediately follow protocol and contacted all three major credit bureaus Experian, XXXX XXXX, and XXXX. I asked to speak directly with the specialized fraud team at XXXX who is handling my case. I spoke to the fraud department at Experian and spoke on XXXX to global consumer, all three credit bureaus completely neglected the fact that Ive been a victim of identity theft, and Ive submitted supporting documentation, proving that I was a victim of identity theft, and that the accounts were open fraudulently underneath my name without my consent nor authorization. I submitted police reports dispute letters. I went to the Federal Trade Commission website I completed an FTC identity theft report, affidavit submitted documentation on numerous occasions, and spoke directly with the credit bureaus. I explained my frustration to them and advise them that I was in fact, a victim of identity theft. I have disputed the fraud information and accounts several times and several occasions. Some accounts indeed were blocked. However, they are now showing back on my credit report. I explain to the credit bureaus why this information was showing on my credit report again? the credit bureaus advised me that the account comes back as verifiable I explain to the credit bureau. Of course the account is going to be Verifiable because whoever stole my identity has my accurate information they have my information and thats how they were able to obtain credit underneath my name because they stole my identity. Unfortunately, credit bureaus were not able to delete these accounts from my credit file damaging my name, credit, worthiness and employment. Not to mention they violating several several FCRA laws I even explain to them that under section 604B of the photo credit reporting act. This information must be blocked within four business days. They have completely dismissed any of my complaints ive lost lots of days out of work being on the phone for hours to get a hold of the specific department sometimes the calls drop this has been a nightmare, and I feel helpless because of the only people that can help me which is the credit bureau has failed to protect me as a consumer, even though I have done my part and have provided supporting documentation as per requested, proving that a fact, Ive been a victim of identity theft, and the credit bureaus have failed to do proper investigations and validation of these accounts and result, theyre still on my credit report, and I am demanding for them to be removed immediately. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$75000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$81000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX  ( XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX BALANCE 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 explanation