Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX I live XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, my phone number is XXXX As I already reported via telephone, via certify mail and regular mail I am the victim of identity theft. 
I wrote to dispute a fraudulent charges/debits/credit cards on my credit file. 
I am a victim of identity theft, and I did not make those charges/debits/credit cards. 
I am requesting that the Account name : XXXX XXXX Account number # XXXX Account name : XXXX. Account number : # XXXX, account name : XXXX XXXX XXXX XXXX. Account number : # XXXX, account name : XXXX XXXX XXXX. Account number : # XXXX, account name : XXXX XXXX XXXX XXXX. Account number : # XXXX. 
be removed, deleted and the debit reinstated that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate credit report. 
Pursuant to federal law, I am requesting that you provide me copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. 
Pursuant to the law, I provided you with the following documentation, so that you could verify my identity : A ) A copy of my drivers license or other government-issued identification card ; as well as I provided you with the copy of the identity theft report that I filed with the FEDERAL TRADE COMMISSION report XXXX XXXX which is an appropriate Federal Government Agency Please provide all information relating to the fraudulent transaction, including : Application records or screen prints of Internet/phone applications Statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate the account or used to access the account Any other documents associated with the account. 

Please send, email or letter of all the documents and information to XXXX or at XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX. 
I requested Experian information Inc to remove, delete all the above accounts but they insist in violate my rights under 15 USC 1681 ( 9 ) ( 3 ) 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1692k - Civil liability Experian consumer reporting agency seem to me to be above the law by denying me to report them this fraud. The term " Identity theft " mean a fraud committed using the identity information of another person 15 USC 1681 ( q ) ( 3 ) the Federal Law under 15 USC 1681 ( q ) ( 4 ) and the information contain on those account are still an my credit file debilitating my finances.

My financial situation is not the best after the Covid 19 pandemic and I am less fortunate now with the collapse of the economy and the inflation, your decision of violate and not obey the Federal Law for your convenience is digging a bigger hole on my family 's finances.

I request the cfpb to witness this complain situation arbitrating that the Federal Law that protect the consumer right don't be mocked or dishonored by any Consumer Reporting Agency

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