Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
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 fed UP! There are still fraudulent accounts and inquiries that XXXX, XXXX and Experian continue to report to my credit and I am filing my lawsuit against XXXX, XXXX and Experian today! They still continue to report these negative fraudulent accounts to my credit after I communicated with the bureaus that I am a victim of identity theft.I Sent all the corresponding documentation certified mail as well as called XXXX, XXXX and Experian. Ive been dealing with this matter going on 2 months since I started this process and the collection companies still continue to harass and call me. this has affected my credit and my livelihood in so many ways. So with that being said I ( XXXX XXXX ) and my lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ) Are pursuing full legal action as of today XX/XX/XXXX. Please note that XXXX XXXX of XXXX Director of XXXX consumer interactive serving XXXX XXXX of XXXX Senior analyst Consumer Experiences XXXX XXXX of XXXX Senior vice president at XXXX XXXX XXXX of XXXX Director fraud and identity management XXXX XXXX of XXXX senior vice president enterprise fraud ID theft XXXX XXXX of XXXX Chief information officer XXXX XXXX of XXXX Fraud and identity product manager XXXX XXXX Of Experian Customer service manager XXXX XXXX of Experian operations manager XXXX XXXX of Experian SVP consumer Services XXXX XXXX of Experian CFE, CCIA compliance Fraud Investigator These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states within 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX {$6300.00} XX/XX/XXXX XXXX XXXX {$130.00} XXXX XXXX {$660.00} XXXX XXXX {$180.00} inquiries that continue to report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : XXXX, XXXX XXXX and Experian. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA. 
A second right available to victims of identity theft is to have a fraud alert placed on their credit report. A fraud alert is a notation on the credit report notifying the person who receives the report that the consumer has been a victim of identity theft and needs to be contacted before new credit is extended. A CRA must add an initial fraud alert that remains on the file for at least 90 days, if the consumer requests an alert and the consumer asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or a related crime, and provides appropriate proof of identity. 
The CRA must refer the information regarding the fraud alert to the two other national CRAs. 
The CRA must also refer the information regarding the extended fraud alert to the other two national CRAs. Finally, the CRA must notify the consumer of the right to obtain two free credit reports during the following 12-month period.

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