Consumer complaint received 2022-09-11
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:
1. IDENTITY THEFT : [ RE : ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX ] Dear Sir or Madam : 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. It is the result of identity theft. 

XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$16000.00} Account Number : XXXX Balance of {$3800.00} US DEPARTMENT OF EDUCATION Account Number XXXX {$6900.00} Account Number XXXX {$1700.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2. EXPERIAN DISPUTE : [ RE : ACCOUNT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX ] I have contacted you on several occasions regarding issues and incorrect information within my credit report. I do not recognize item ACCOUNT XXXX XXXX XXXX  XXXX. You have rejected my request to remove the information altogether on my credit report. You keep verifying info through a computer-based system and not thoroughly investigating. This is out of order and violates several FCRA laws and codes of ethics. According to the FCRA, I have the right to an accurate credit report. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), the Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 

Late Payment : XXXX XXXX  XXXX Account XXXX XXXX A representative at XXXX told me the late payment in XX/XX/2022, was a system error. Please delete. 

Address : The only address that should be reported on my credit report is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX. The addresses that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX CA, XXXX. 

Inquiries : I did not authorize the credit inquiry listed below. Please remove them from my credit profile and credit report. 

Creditor Name : XXXX  XXXX, XXXX  Date of Inquiry : XX/XX/2022 Please reinvestigate this matter and delete the disputed items as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted and send me a copy of the updated credit report. I have filed a complaint in addition to letters sent in certified mail.

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