Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: KS
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 have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.

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