Consumer complaint received 2022-12-15
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:
As a victim of identity theft, I have tried several times over the past nearly three years to have these accounts deleted to no avail despite providing the required documents pertaining to 15 USC 1681c-2 ( a ). Experian, XXXX XXXX ( XXXX  ), XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
I notified Experian and XXXX of the identity theft in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have aided in the identity theft by refusing to verify these accounts, therefore violating my rights pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681c-2, 15 USC 1681b , 15 USC 1681 ( Q ) and 18 USC 1028A . 
I have repeatedly exceeded in providing the legally required information and put Experian, XXXX, XXXX XXXX XXXX XXXXnd XXXX on notice several times to address this fraudulent account and all three have violated the FCRA and have repeatedly failed to validate the alleged debts. 
In XXXX of XXXX, I alerted XXXX XXXX to the theft of my identity used to gain credit from two of their companies, XXXX and XXXX. XXXX XXXX removed the XXXX account in XXXX of XXXX, but decided to keep the XXXX account on my credit report, despite both accounts appearing to be opened either at or near the same time. They continually refuse to delete fraudulent information despite my providing all the required information to them, violating 15 USC 1681c-2, 18 USC 1028A . 
In XXXX of XXXX I alerted XXXX XXXX XXXX  to the theft of my identity used to gain a loan from their company. They have ignored that notice as well as four other notices of identity theft over the past three years, violating 18 USC 1028A and 15 USC 1681b ( c ) I went above and beyond to provided them more than the legally required information at that time. Again in XXXX of XXXX I disputed the XXXX account again shortly after their refusal to delete the fraudulent information and they again refused to delete information XXXX, the consumer, informed them was fraudulent. I turned to the credit reporting agencies, Experian, XXXX, XXXX for assistance and they did no investigation other than asking XXXX XXXX if the information was accurate, which XXXX XXXX, per their own perfunctory investigation decided it was. Neither Experian, XXXX, XXXX of XXXX XXXX validated any of the information or performed any investigatory action. 
The most recent notice sent to Experian, Certified Mail Tracking No : XXXX XXXX XXXX XXXX XXXX, was delivered on XX/XX/XXXX. No attempt to block or delete has been made. No investigation has been done, No information has been verified, but they responded accusing me of not providing the required information. I provided a utility bill, my ID, a copy of my social, the XXXX Police Department Police Report and the FTC Identity Theft Report. They also failed to investigate or flag and of the other listed information on my credit report, while they highlighted or investigated items I did not ask to be investigated. Their response was, for lack of a better phrase, a mess that has left my credit report with even more inaccuracies. 
The disputes that I have been having with XXXX, aka XXXX XXXX, XXXX XXXX XXXX  and the above listed credit reporting agencies for more than XXXX years pertaining to this repeatedly reported account of aggravated identity theft has left me emotionally and financially damaged. Experian and XXXX refusal to block and delete the reported accounts has been nothing but harmful to myself and my family.

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