Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I disputed inaccurate information on my Experian credit report recently, XXXX XXXX bankruptcies filed using my identity & personal information. identity theft. XXXX is the furnisher of information for Experian, whom verified. XXXX verified XXXX  XXXX bankruptcies are verified accurate. Bankruptcy case numbers ( XXXX & XXXX, XXXX ). Experian investigation results determined XXXX  XXXX case number XXXX, was not confirmed, do it was deleted. XXXX, have provided me with 2 bankruptcy removal letters, removing XXXX  XXXX bankruptcy cases ( XXXX & XXXX, XXXX ). This information was also removed from my disclosure report. I notified the furnisher of information XXXX, I was a victim of identity theft, and provided the necessary required information to XXXX. 12 CFR 1022.123 ( a ) Appropriate Proof of Identity ( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

12 CFR 1022.123 ( b ) ( 1 ) ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

12 CFR 1022.82 ( d ) ( 2 ) ( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; 12 CFR 1022.130 ( b ) Associated consumer reporting agency means a consumer reporting agency that owns or maintains consumer files housed within systems operated by one or more nationwide consumer reporting agencies.

Appendix A to Furnisher Rule Part 660 implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are inAppendix A to Furnisher Rule Part 660.

Appendix A Your policies and procedures : should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle.Furnisher Rule 660.4 ( a )

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