Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the attached report. I am a victim of identity theft and did not make these charges. This is an ongoing issue that is affecting my credit health. I ask that the items be deleted as fast as possible to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
15 U.S. Code 1681c2 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. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should NOT be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. 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 the deletion of the accounts listed IMMEDIATELY. 
Fraudulent & Harmful / Negative Accounts XXXX - Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX Account # : XXXX Account Opened : XX/XX/XXXX LATE PAYMENTS REPORTING XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$5700.00} CONTINUED ON NEXT PAGE XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3200.00} XXXX XXXX - Account # : XXXX Account Opened : XX/XX/XXXX Balance Reported : {$3000.00} XXXX - Account # : XXXX Account Opened XXXX XX/XX/XXXX Balance Reported : {$1400.00} XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1500.00} XXXX XXXX  - Account # : XXXX Date Opened : XX/XX/XXXX Balance Reported XXXX {$2500.00} UNAUTHORIZED INQUIRIES CONTINUED. 
Inquiry Name - XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX Inquiry Name - XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX XXXX XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX Experian Inquiry Name - XXXX XXXX  XXXX and Loan Companies Inquiry Date - XX/XX/XXXX Experian Inquiry Name - XXXX Auto Reseller Inquiry Date - XX/XX/XXXX Experian XXXX Name - XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date - XX/XX/XXXX Experian

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