Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: TX
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. THESE TRACTIONS ARE IMPOSSIBLE TO HAVE BEEN MADE BY ME AS I WAS INCONCENTRATED FROM XX/XX/XXXX TO XX/XX/XXXX ( SEE ATTACHED RECORDS ). I have explained in various written complaints via XXXX, CFPB, online disputes with your company and phone calls that these accounts are FRAUDENT. I have explained on several occasions that although my personal identity was stolen ( DL, SS card and birth certificate ) when I obtained replacements I was given the exact same information that was stolen with the same identifying factors, such as DL number, my SS number didnt change, etc. ). I have also explained that stolen was information was never recovered. I have previously provided your company with two identity theft police reports ( one in which named a suspect ), two notarized FTC identity theft reports, proof of address ( electricity bill ), copy of SS card and Drivers license, and despite legal and undisputable evidence of identity theft your company has failed to adhere to the FCRA 605 ( b ) blocking rule.

The accounts below are in question and are a result of identity theft. 
XXXX XXXX XXXX XXXX Account XXXX XXXX University Account Since XX/XX/XXXX I have made various attempt to rectify this situation with your agency. For the past four months I have precisely followed the normal rules of dispute as outlined by the FCRA with no prevail and as a result I have found your company to be in violation of several FCRA rules particularly FCRA Section 609 ( A ) ( 1 ) ( a ). 
Recently I have sent your company a dispute on XX/XX/XXXX asking your company to block the above accounts as they are a result of identity theft and your response We initiated an investigation into the items and the results are below : We have researched the credit account.. The results are : We verified that this item belongs to you. I have also been told that the creditor provided you with proof that the accounts belonged to me therefore you reinserted them to my account. 

I have reason to believe that you conducted an unreasonable investigation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to VALIDATE -through the physical VALIDATION of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. This burden of proof is upon you, the CRA, in accordance to FCRA 609, therefore responding If you have additional questions about this item please contact the creditor is not only illegal in conjunction with the FCRA rule but redundant.

Please provide with me with the below : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6. Did the creditor provide you with a written signature I demand the above accounts be validated or removed immediately.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,

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