Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX RE : My Experian XX/XX/2021 email ( attached ). 

I need help or please point me in the right direction of who can help me. 

I received the above dated Experian email a second time about my Identity Theft Police Report. Experian states the Police Report has deficiencies because, The report does not reference identity theft, and does not meet the guidelines per the Federal Fair Credit Reporting Act. 

I have twice gone to the XXXX Police Department ( the city where I live ). The detective involved in my case, Detective XXXX XXXX phone number ( XXXX ) XXXX, has also told me twice that Identity Theft is listed as a State of Texas Offense as Statue 32.51 ( c ) ( 1 ) with the Statue Description of FRAUD USE/POSS OF IDENTIFYING INFO. 

Please note that on the first page of the police report it mentions, FRAUD USE/POSS OF IDENTIYFYING INFO. So, someone fraudulently used and was in possession of my identifying information. I hope this means that it is Identity Theft. I will highlight the area. 

On page two of this police report, it describes that this crime took place in cyberspace. I will highlight this area. 

Likewise, on pages three and four of the police report it describes that my information to open the accounts was Stolen. I will highlight these areas, to help. 

Is this enough information on this police report to meet the guidelines established by the federal Fair Trade Credit Report Act? Please let me know, if this wording in the police report, FRAUD USE/POSS OF IDENTIYFYING INFO is not enough to meet the requirements that the police report, does not refence identity theft. I hope it does.

If it does, please somehow let Experian know that the wording, FRAUD USE/POSS OF IDENTIYFYING INFO, involves Identity Theft. 

Also, I have tried unsuccessfully to dispute the following Experian reported fraudulent accounts that were opened without my consent or knowledge : 1. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX Bank Account Number XXXX Additionally, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the XXXX, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

I am enclosing my completed XXXX  Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

When you can, please ask Experian  to accept my Police Report and remove the above fraudulent accounts from my Experian  Credit Report. 

You may contact me at ( XXXX ) XXXX, if further information is needed. 

Sincerely, XXXX XXXX XXXX SS : XXXX

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