Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: LA
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:
Please accept this formal complaint against XXXX. This company is engaged in unlawful practices and predatory credit reporting which undermines the financial sanctity of our society. I am a victim of XXXX unethical, immoral, and illegal handling of me as a victim of identity theft as outlined in this missive. I pray that you investigate and take all appropriate action in this matter. The above subject matter is about an unfair and erroneous reporting for Account Number XXXX in which XXXX served as data furnisher to credit bureau Experian. 
In summary, sometime during XX/XX/XXXX, XXXX illegally issued the above-mentioned utility account in my name to an address where I do not live or have never lived. I discovered the account in XX/XX/XXXX. I notified the credit bureaus and XXXX. XXXX illegally verified with the credit bureaus that the account belonged to me. I contacted XXXX who responded on XX/XX/XXXX that they were removing the account from my credit profiles ( Proof Enclosed ) To date, XXXX has not removed this erroneous account from my credit report. 
In fact, without any notice given to me, in contravention of the law, XXXX further exacerbated this issue by denying my fraud dispute with the credit bureaus. Since then, I have continued to bear the financial burden of an account that was illegally opened by their company because of their fraudulent, erroneous and unfair credit reporting. Under Louisiana Revised Statutes Tit. 9, 3568 ( B ) and State Identity Theft and Credit Reporting Statutes, Each creditor who grants credit as a result of information which was obtained through an identity theft shall make available to the victim of the identity theft application information and transactional information, such as a copy of one or more complete monthly billing statements prepared in the regular course of business by a financial institution, in the possession of the creditor which the victim needs to undo the effects of the identity theft. Prior to providing information to the victim, the creditor or its representative may require the victim to submit a written statement, dated and signed by the victim of identity theft, which ( a ) provides information sufficient to verify the identity of the victim and the existence of an identity crime, including a copy of the police report and a copy of the victim 's state-issued identification card, and ( b ) states that the consumer authorizes disclosure of the information, and ( c ) identifies the information the victim requests to be disclosed. On the other hand, the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ) ( 15 U.S.C. 1681 ) All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. 
A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 non-monetary relief