Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: GA
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 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 last year on XX/XX/2018. ( report No 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 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXXXXXX ) 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 it must stop immediately XXXX XXXX XXXX  XXXX {$97.00} XXXX XXXX XXXX/XXXX XXXX  XXXX  XXXX   XXXX {$220.00} inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX VXXXX XXXX GA 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 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. 
A second right available to victims of identity theft is to have a fraud alert placed on their credit report. A fraud alert is a notation on the credit report notifying the person who receives the report that the consumer has been a victim of identity theft and needs to be contacted before new credit is extended. A CRA must add an initial fraud alert that remains on the file for at least 90 days, if the consumer requests an alert and the consumer asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or a related crime, and provides appropriate proof of identity. 


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 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 XXXX 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