Consumer complaint received 2022-09-12
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 : 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 : ACCOUNT XXXX Amount Owed : {$1200.00} XXXX XXXX XXXX : ACCOUNT XXXX AMOUNT OWED : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Amount Owed {$0.00} XXXX Account # XXXX Balance Owed {$2200.0XXXX XXXX XXXXXXXX : Account # XXXX Balance Owed {$670.00} XXXX XXXX - XXXX : Account # XXXX Balance Owed {$2600.00} XXXX XXXX XXXX XXXX XXXXccount # XXXX 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. 



2. INACCURATE INFORMATION REPORTED AND IMPROPER USE OF MY CREDIT FILE : I have contacted you on several occasions regarding issues and incorrect information within my credit report. I do not recognize the items listed below. You have rejected my request to remove the information altogether on my credit report. You keep verifying info through a computer-based system ( e-OSCAR system or one in comparative ) 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. 
I, XXXX XXXX XXXX, am a consumer, a natural person, and am aware of the rights I have, in the protection by Congress under the Fair Credit Reporting Act ( FCRA ). The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. FCRA Law : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) 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 ).

XXXX  Account # XXXX  Balance Owed {$2200.00} Account Status : Open I do not recognize this unauthorized item. I am a victim of identity theft. When viewing the detailed information they are not inputted accurately across all credit reporting bureaus. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXX XXXX XXXX Account # XXXX {$39000.00} I do not recognize this item. Detailed information is not inputted accurately. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXX Account # XXXX {$670.00} I do not recognize this unauthorized item. When viewing the detailed information they are not inputted accurately across all credit reporting bureaus. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX - XXXX : Account # XXXX {$2600.00} I do not recognize this unauthorized item. When viewing the detailed information it is reported inaccurately. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXX  Account # XXXX Past Due - {$310.00} {$1700.00} I do not recognize this unauthorized item. When viewing the detailed information it is reported inaccurately as well. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXX  : Account # XXXX Balance Owed {$450.00} When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. When viewing the detailed information it is reported inaccurately. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX Account Status Closed Payment Status Current Balance Owed {$58.00} I do not recognize this unauthorized item. When viewing the detailed information it is reported inaccurately. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX XXXX XXXX XXXX  : Account # XXXX When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. 

BANK XXXX XXXX : Account # XXXX & Account XXXX When reviewing and investigating the detailed information is inaccurate and confusing two different account numbers and balance information, etc. Delete this account immediately, unless you want to pay {$1000.00} per each violation XXXX : Account # XXXX When I last spoke to a representative, she kindly agreed to have the late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. Now that the account is closed, the account is being reported inaccurately. Delete this account immediately, unless you want to pay {$1000.00} per each violation INQUIRIES : I did not authorize these inquiries. This is damaging my credit file and reputation. 

XXXX Credit Cards Issued by XXXX XXXXlAug XXXX, XXXX XXXX XXXX XXXXMay XXXX, XXXX XXXX XXXX, XXXX XXXX / XXXX  XXXX XXXX, XXXX XXXX  XXXXSales XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.

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