Consumer complaint received 2020-11-06
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:
RE : Experian/ Identity theft reporting on credit report XX/XX/2020 Dear Sir/Maam : I recently received a response/credit report to disputes that I have as to information being reported on my credit report which are fraudulent accounts obtain by identity theft. After many attempts to rectify this directly with the companies reporting these fraudulent accounts, I contacted Experian, as they maintain my file with my social security number. 

All parties were provided with the required documentation, which included proof of identification, affidavits, FTC reports, police reports and letters. In one instance, one of the companies XXXX was removed from my credit and later re-inserted back on my report, with- out any 5-day written notice from Experian XXXX which is required under FCRA regulations. 

Further, when I contacted Experian regarding this fraudulent account being placed back onto my credit report, they stated that, the company validated this fraudulent account and there was nothing they could do. I have been requesting from both Experian and XXXX validation and how was it possible they came to validate an account, which clearly was paid on by a stolen and fraudulent account. 

This is not the only fraud account that Experian appears to be validating as legitimate. The accounts I have repeatedly disputed and are being reported are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and XX/XX/XXXX XXXX XXXX. 

I recently sent Experian another request hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes. In accordance with the requirements of FCRA 611 section 611 ( a ) ( 5 ) ( B ) ( ii ), they were required to notify me in writing with in 5 busines days to any re-insertion. I received no such notification. 

Additionally, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Based on the numerous documents I have provided your agency whom maintains my credit file, I find that validated an account that has been identified as theft, with supporting documents requested by your company, is negligent enablement of identity theft. 

I asked that this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of these unfortunate errors being reported. 

I have asked them to please remove the erroneous items in question from my credit report, as this is impacting my financial well- being and financial reputation. Further, their repeated attempts to your agency in response to my complaint that someone else other than myself is making requests, is absurd and frankly a poor attempt to continue delaying this process, which as stated is very harmful to me. 

I understand policy and they need time to follow procedures in this matter, however, I have been patient, and this has been going on since XX/XX/2020. At this point Experians unconscionable delay, validation of fraud account, which is negligent enablement of identity theft, is harassing and extremely harmful to my financial life. I am a mother with a special needs child and this fraudulent activity impacts her as well. 

I am asking that CFPB file this complaint. You will find attached copies of a few letters that I have mailed to Experian, in attempts to handle this situation. Please note that most of these letters had these enclosures with them : Copy of credit report page with XXXX listed/re-inserted onto report, Proof of identification, Proof of Address, FTC Report, Affidavit, FCRA Rules 611, FCRA Notice to Furnishers, Police report. 
Should you need copies of the enclosure information listed above, I would be glad to provide your company with copies all of that information as well. 
I am only asking that these accounts be removed from my credit report as well as incorrect names and data that I have never legally gone by and addresses removed from my report that I have never lived at. 

This information is erroneous and I have repeatedly requested that this information be deleted from my credit report as well. Current Experian credit reported dated XX/XX/2020, still has this information reporting. 

You help in this matter is greatly appreciated. 

XXXX XXXX PS.

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 explanation