Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act, Experian and XXXX choosing to report XXXX XXXX XXXX XXXX Account # XXXX on my consumer credit report has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent, Which I did not give Experian or XXXX at all. 

Also under 605B of the Fair Credit Reporting Act, Experian and XXXX are supposed to block and remove all fraudulent information no later than 4 days of receipt of Identity theft documents in regards to the fraudulent information. I clearly provided those documents to Experian and XXXX and they accepted those documents. 

They then deleted the said account Under the name of XXXX XXXX XXXX XXXX Account # XXXX and then added it back to my report without notifying me of them adding it back to my consumer report which was another violation of my consumer rights. 

In accordance with the requirements of the FCRA section611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. 

This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard of the law. 

Throughout all of this going back and forth I have been nothing but professional with how I have handled Experian and XXXX. They have yet to show me any so-called proof of this account being verified that they keep claiming that it is. 

This is my last attempt at settling this in an easy way, if Experian and XXXX do not delete this fraudulent information from my report I am going to seek litigation for actual damages and seek financial remedy for each FCRA violation they have committed toward me throughout this whole experience. I will join in on the class action lawsuit Experian already has which shows their incompetence and unprofessional practices. 

In the documents below I have included my *Federal Trade Commission Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX * XXXX XXXX XXXX XXXX XXXXr Experian and XXXX XXXXSocial Security Card * License

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