Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: NY
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 ) 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 last year on ( XXXX ) ( report No XXXX ) with ( XXXX XXXX ) Police Department. Ive also mailed in certified letters to Experian. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) He notice several instances where Experian are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. Experian continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that Experian did not go through the original furnisher to verify these accounts are mine and they must 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. If Experian fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Experian has violated the FCRA.. 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. I plan of taking full legal action if accounts are not removed by ( XXXX ). 

XXXX ( FRAUDULENT ADDRESSES ) ***** ***** ( FRAUDULENT ACCOUNTS ) ***** ( 1 ). " Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} '' ( 2 ). " Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} '' ( 3 ). " Account Name : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} '' ( 4 ). " Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} '' ***** ( FRAUDULENT INQUIRIES ) ***** ( 1 ). XXXX Inquiry Date : XX/XX/XXXX ( 2 ). XXXX Inquiry Date : XX/XX/XXXX ( 3 ). XXXX Inquiry Date : XX/XX/XXXX ( 4 ). XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ( 5 ). XXXX XXXX Inquiry Date : XX/XX/XXXX ( 6 ).  XXXX XXXX I Inquiry Date : XX/XX/XXXX These individuals 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 continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. 

XXXX XXXX Chief operating Officer Experian North America XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Ceo North America Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator Experian North America XXXX XXXX XXXX XXXX XXXX, CA XXXX Email-XXXX Attorney ATTN : Experian fraud department Please do not place a fraud alert on my credit profile. I am aware of the circumstances and understand the risk. I still would like these fraud and erroneous accounts of my credit to be processed to the full extent of the FCRA under the guidelines of identity theft.

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