Consumer complaint received 2019-05-03
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:
I XXXX XXXX XXXX am A victim of Identity theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report 2 years ago on XX/XX/XXXX. ( report XXXX XXXX ) with XXXX Police Department. I, ve also mailed in certified letters to XXXX, XXXX and Experian. I received nothing. I also believed my information was leaked due to the information breach with XXXX. The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired me a lawyer to assist me in this matter He notice several instances where XXXX, XXXX and Experian are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. XXXX, XXXX and Experian continue to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Ive never been to college or had a student loan in my life .I don't know where these loan are from. I have already opted out of arbitration and looking to seek full legal damages if the following accounts are not removed in 4 days.! I am sure that XXXX, XXXX and Experian did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX, XXXX and Experian reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00}  fine. As XXXX, XXXX and Experian has violated the FCRA..XXXX, XXXX and Experian has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623 Us dept of EDXXXX XXXX XX/XX/XXXX Us dept of edu/XXXX   XXXX {$23000.00} XX/XX/XXXX Us dept of eduXXXX XXXX {$66000.00} XX/XX/XXXX Us dept of eduXXXXXXXX participation interest L  XXXX XX/XX/XXXX Us dept of edu/XXXX  XXXX XX/XX/XXXX Us dept of eduXXXX XXXX XX/XX/XXXX Us dept of edu/XXXX   XXXX XX/XX/XXXX Us dept of edu/XXXX  XXXX XX/XX/XXXX Us dept of edu/XXXX XXXX XX/XX/XXXX Us dept of edu/XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$210.00} XXXX   XXXX  XXXX XX/XX/XXXX XXXXDept of ed XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX INQUIRIES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXX 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. 

Ive sent all information in over 2 years ago and nothing has happened These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages 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 XXXX XXXX of XXXX XXXX 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 XXXX Customer service manager XXXX XXXX of XXXX operations manager XXXX XXXX of XXXX  SVP consumer XXXX  XXXX XXXX of XXXX XXXX, XXXX 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