Consumer complaint received 2018-08-04
Company: Army and Air Force Exchange Service
State: CA
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:
On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my XXXX Credit File. I checked those notifications and noticed there were multiple accounts appearing on my XXXX Credit File as of XX/XX/XXXX that had never appeared before. I immediately called XXXX  and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to XXXX a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), " ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.

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