Consumer complaint received 2022-08-26
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: Investigation took more than 30 days

Complaint:
In XXXX  of this year I went to apply for a home and i pulled my credit report and found multiple fraudulent accounts and inquiries. I wrote a letter to XXXX XXXX XXXX  and Experian explaining the situation I also completed a FTC report and sent it to them certified mail along with State ID, COPY OF SSN CARD AND PROOF OF ADDRESS.    XXXX XXXX Certified mail Experian -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DID NOT RECIEVE A RESPONSE.....I CALLED XXXX  ON XXXX   And spoke to XXXX XXXX in the Fraud dept OVER A MONTH AFTER SENDING MY DOCS. She said they will start a 30day investigation. again my RIGHT WERE VIOLATED .  AS PER 15 U.S. Code  1681i - Procedure in case of disputed accuracy

(2) Prompt notice of dispute to furnisher of information
(A) In general
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph (1), MY RIGHTS WERE VIOLATED MY ALL 3 CREDIT REPORTING AGENCIES 
Because of the nature of my dispute ( Identity theft ) the credit reporting agencies must adhere to 

15 U.S. Code  1681c2 - Block of information resulting from identity theft

(a) Block
Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
(1) appropriate proof of the identity of the consumer;
(2) a copy of an identity theft report;
(3) the identification of such information by the consumer; and
(4) a statement by the consumer that the information is not information relating to any transaction by the consumer.
MY RIGHTS ARE BEING VIOLATED!
15 U.S.C 1681 Section 604 A Section 2:It also states a consumer reporting agency cannot furnish a account without my written instructions

THE FOLLOWING ACCOUNTS 
ARE Identity Theft
    XXXX XXXX
    Account Number: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
    XXXX XXXX XXXX
    Account Number: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
    XXXX XXXX XXXX
    Account Number: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
    XXXX XXXX
    Account Number: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
    XXXX XXXX XXXX XXXX
    Account Number: XXXX      15 U.S. Code 1681c2 - Block of information resulting from identity theft
    XXXX
    Account Number: XXXX      THE FOLLOWING
 The inquiry was not authorized XXXX      Date of inquiry: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
The inquiry was not authorized
    XXXX XXXX
    Date of inquiry:XX/XX/2021    15 U.S. Code 1681c2 - Block of information resulting from identity theft
 The inquiry was not authorized
    XXXX XXXX
    Date of inquiryXXXX XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
The inquiry was not authorized XXXX
    Date of inquiry: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
 The inquiry was not authorized
    XXXX
    Date of inquiry: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
  The inquiry was not authorized XXXX XXXX
    Date of inquiry: XXXX
    15 U.S. Code 1681c2 - Block of information resulting from identity theft
THE FOLLOWING NAMES AND ADDRESSES is incorrect
     Former: XXXX
The following personal information is incorrect
  Former: XXXX
The following personal information is incorrect
   Former: XXXX  The following personal information is incorrect
Also Known As: XXXX
The following personal information is incorrect
Also Known As: XXXX
The following personal information is incorrect
    Also Known As: XXXX,A
a consumer reporting agency shall****** block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than(( 4 )))business days after the date 

I WANT THIS REMOVED IMMEDIATELY I AM SUFFING DAMAGES I CAN NOT GET A HOME LOAN WITH THIS FRAUD ON MY REPORT.

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