Consumer complaint received 2019-11-04
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:
EXPERIAN DISPUTE FRAUD DEPT XXXX XXXX XXXX XXXX, TX XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows : Inquire that not made by me please delete those fraudulent inquire XXXX XXXX, XXXX | Date of Inquiry : XX/XX/XXXX Those account was fraudulent XXXX XXXX XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount -Date of Last Payment XX/XX/XXXXPast Due Amount XXXX XXXXAccount Status CHARGE-OFF XXXX XXXX XXXX  XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount -Date of Last PaymentXX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE-OFF XXXX XXXX | XXXX Under investigation from previous dispute Balance XXXX XXXXActual Payment Amount -Date of Last Payment XX/XX/XXXXPast Due Amount $ XXXXAccount Status CHARGE-OFF XX/XX/XXXX | XXXX Under investigation from previous dispute Balance $ XXXXActual Payment Amount -Date of Last Payment XXXXPast Due Amount $ XXXXAccount Status CHARGE-OFF XXXX XXXX, XXXX | Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX | XXXX Dispute this Account Owner Individual Account.Original Creditor XXXX XXXX XXXX THEDate Reported XXXXDate Assigned XXXXAccount Status D-UnpaidPlease block this account with the police report provided fraud account The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). 
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 
I am requesting that the item ( s ) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. 

Sincerely XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting You have refused to fallowed the credit reporting act 605b I have included several occasion the police report to support my claim your company refused to delete those fraudulent inquires even after deleting the fraudulent 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