Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: FL
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:
******Issues and accounts relating to Identity Theft that Experian is refusing to correct causing me significant damage to my credit file which is directly having a negative effect in all areas in my life. ****** XXXXExperian in direct violation of numerous laws, rules and regulations of the FCRA XXXX FCBA , and ITADA as explained below. ********** 1 ) XXXX account I uploaded to Experian documents upload portal and mailed this letter from XXXX XXXX re : XXXX credit card account being confirmed fraudulent account and needs to be removed from my credit file immediately. The letter also states they are notifying credit bureaus to remove account within 45 days of the date of the letter XXXX. Called Experian on XXXX as account still displaying and they said was in active dispute so couldnt modify but they did see the letter from XXXX to remove account attached to the dispute. On XXXX, the account came back as verified from Experian, even with the removal letter from Comenity attached to the dispute, so I called Experian again to have it removed. Ss of XXXX, this account still is appearing on my credit file and Experian is refusing to allow disputes saying frivolous. DIRECT NEGLIGENCE ON EXPERIAN. This is a direct violation of FCRA Section 611 ( a ), FCRA Section 611 ( a ) ( 1 ) ( A ), FCRA Section 607 ( b ) ( Letter is attached ). 

2 ) Experian refuses to block fraud accounts that have been a direct result of Identity Theft numerous times beginning XXXX despite my timely repeated submissions of Police reports, FBI Cybercrime reports, FTC Affidavits, and supporting documentation for each fraudulent account listed. I also submitted letters to creditors where they have ignored my requests for documentation and removal and refusal to block these accounts. 
******Experian is in violation of The Fair Credit Reporting Act ( FCRA ) requiring credit reporting agencies like Experian to ensure that the information appearing on my credit report is accurate, complete, and up-to-date. Experian has failed to comply with the FCRA as they are failing to ensure the information being reported is accurate and up to date******* *******Experian is also in violation of The Fair Credit Billing Act ( FCBA ) as it gives me the right to dispute fraudulent charges and accounts and have them removed. ***** *******Lastly, Experian is in direct violation of The Identity Theft and Assumption Deterrence Act ( ITADA ) which is a federal law that makes identity theft a crime and provides me with certain rights, including the right to dispute fraudulent accounts on my credit report. ***** ( FBI Cybercrime fraud report attached and letters sent to creditors re : Identity Theft and account removal that creditors ignored are also attached ).

3 ) Experian has failed to ensure the dispute notation and the comments for every account disputed were accurate and complete. They have not done this as my phone call on XXXX proved. On XXXX I called Experian at XXXX and spoke with XXXX in the Fraud department as an unknown address suddenly appeared on my report with incorrect variation of my name as well in report # XXXX. In addition to this, my recent Experian report listed my fraud alert statement incorrectly as it listed it beginning on XXXX when it was reported on XXXX. 
a ) I was not allowed to correct my name to eliminate the middle initial as I requested due to I never use it and the standard for all my reports is first and last name only, especially after Identity Theft b ) She refused to correct my fraud statement to list the correct beginning date of XXXX XXXX stating she couldnt modify it c ) refused to remove the unknown address suddenly appearing on my report d ) she couldnt explain why I received an email alert stating that an initial fraud alert was placed on my credit report on XXXX without confirming whether or not I had a mixed file or XXXX different files without my knowledge. 
e ) Refused to remove XXXX account even with letter attached from XXXX XXXX  stating to remove it f ) She refused to create another dispute and refused to remove the fraudulent accounts still being listed on my report almost a year later stating that once accounts have been disputed as fraud and come back verified, they cant be resubmitted again. Upon listing all the fraud accounts still appearing on my report, some accounts were being shown as never disputed and never disputed as fraud as an XXXX example the XXXX account 100 % false. 

4 ) Experian had all of my dispute results forwarded to 12 businesses/subscribers claiming I requested this to be done and I absolutely did not request this. This was being done without my knowledge or consent. 

5 ) Experian refused to investigate any accounts listed on my letter sent XXXX. 
( Letter is attached ).

6 ) After Experian repeatedly failed to remove these accounts and state they are coming back as being verified which is clearly not true, as with the dispute with XXXX, rather it is just pure negligence on Experian part, I requested Experian to send me the methods in which these accounts were verified and any supporting documentation on XXXX which listed all the violations and requesting specific documentation and this was completely ignored never received anything and the accounts still are being listed on my file. ( Letter is attached ). 

Again, the fraud accounts still being listed that need to be immediately removed from my report that are a direct result of Identity Theft are : 1 ) XXXX XXXX XXXX with Acct # XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX ) XXXX XXXX XXXX with Acct # XXXX XXXX ) XXXX XXXX  with Acct # XXXX XXXX XXXX XXXX with Acct # XXXX XXXX ) XXXX  with Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX with Acct # XXXX and reporting {$23.00} charge off Unfortunately with the large amount of errors still being reported almost a year after the incident occurred, despite my relentless attempts to correct and with Experian refusing to correctly adhere to the rules and regulations set forth in the FCRA, FCBA, and the ITADA , I will be forced to retain an attorney and pursue this for the correct resolution through the court systems, including damages for each violation that Experian refused to follow.

These issues need to be expedited into a resolution and correction as it has been a year and Experian has completely mishandled every part of their responsibilities in this incident. 

XXXX XXXX I have attached the following : Drivers License FBI Cybercrime Fraud report submission ( 2 ) Letter to creditors re : Identity Theft accounts Letter to Experian to provide method of verification for accounts they claim verified as being accurate that Experian blatently ignored. 
Letter of disputed accounts explaining and listing the specific violations of Experian reporting inaccurate accounts Experian letter refusing to remove or block fraud accounts

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