Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: CT
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 recently applied for an equity line of credit on my home and wasn't able to get it I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 

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 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following personal information is incorrect Account Number : Former : XXXX, XXXX The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : 3 XXXX  XXXX XXXX XXXX XXXX CT XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX NY XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 The status is incorrect for the following account XXXX XXXX XXXX XXXX  Account Number : XXXX The following personal information is incorrect XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX The following account is not mine XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX 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 Identity Theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Validate Account XXXX XXXX Account Number : XXXX remove it from my credit report. 

Validate Account XXXX Account Number : XXXX remove this inaccurate information from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX delete from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX XXXX Account Number : XXXX delete from my credit report. 

Identity Theft XXXX  XXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The status is incorrect for the following account XXXX XXXX Account Number : XXXX delete from my credit 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