Consumer complaint received 2019-04-29
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX am a victim of identity theft. I started this process XX/XX/XXXX and the fraudulent accounts and inquires continue to report to my credit. This has to stop! I have mailed a copy of my police report as well as a copy of my credit report certified mail with all fraudulent accounts and inquiries circled to XXXX, XXXX  and Experian. I have sought out legal council because due to FCRA by laws and regulations all the fraudulent accounts were supposed to be block 4 days after I notified the credit bureaus. Its been a year and nothing has happen. I have opted out of arbitrations and plan on taking full legal action against XXXX, XXXX   and Experian.

Here below are a list of fraudulent accounts and inquiries per bureau : XXXX   ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX {$810.00} XXXX/XXXX XXXX XX/XX/XXXX $ XXXX/ {$1500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX  Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$810.00} XXXX/XXXX XXXX XXXX XX/XX/XXXX $ XXXX/ {$1500.00} NA XXXX XX/XX/XXXX {$38.00} NA XXXX XX/XX/XXXX {$72.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX {$1300.00} XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX/XXXX  XXXX XX/XX/XXXX {$810.00} XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX  XX/XX/XXXX {$0.00} " XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} EXPERIAN INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, XXXX XXXX and Experian. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA.

The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity.

The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked.

If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.

My Lawyer ( XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ) And I plan on taking full legal action against XXXX, XXXX and Experian it the fraudent accounts and inquiries are not removed wihin the 4 days stated in the FCRA.

We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. And they will be personally added to our claim against the bureaus that will be filed on XX/XX/XXXX XXXX XXXX of XXXX Director of XXXX  consumer interactive serving XXXX XXXX of XXXX Senior analyst Consumer Experiences XXXX XXXX of XXXX Senior vice president at XXXX XXXX XXXX of XXXX  Director fraud and identity management XXXX XXXX of XXXX senior vice president enterprise fraud ID theft XXXX XXXX of XXXX Chief information officer XXXX XXXX of XXXX Fraud and identity product manager XXXX XXXX Of Experian Customer service manager XXXX XXXX of Experian operations manager XXXX XXXX of Experian SVP consumer Services XXXX XXXX of Experian CFE, CCIA compliance Fraud Investigator

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