Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
ATTN.
MY ADDRESSES ARE INCORRECT EMPLOYERS EVEN PHONE NUMBER ITS BEEN OVER A YEAR AND THIS IS RIDICULOUS!!!!!

Credit Report Inaccuracies 09/14/2022
EXPERIAN XXXX AND XXXX From: XXXX XXXX  I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing INCLUDING MY INCORRECT ADDRESSES,EMPLOYER, AND PHONE NUMBERS on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Sincerely,
XXXX XXXX
Enclosures:
a. Identity Theft Report
b. List of Fraudulent Accounts on my Report
c. FCRA Sections 605,609,6011
d. Proof of Identity and Address

 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
ACCOUNTS:
    XXXX XXXX XXXX XXXX XXXXXXXX 6 potentially negative months Closed

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