Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: TX
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:
Date of response : XX/XX/XXXX. 
I am responding to the automated interim system for all the ( 5 incorrect ; and Identity Theft ) accounts listed below, and specifically for the only ( 2 ) accounts for XXXX XXXX XXXX  responded your staff at XXXX by XXXX XXXX. 
1. I do not live at any of those two addresses spelled and listed here in section 1 of my response for those accounts, addresses are : XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX  TX XXXX. 
2. I am requesting an expedited and thorough reinvestigation under FCRA 611 ( A ) regarding multiple accounts that are not mine on my credit report involving the transaction with accounts : 1. ) XXXX XXXX | XXXX XXXX XXXX XXXX  TX XXXX | {$5100.00} | Account # : XXXX XXXX ) XXXX XXXX  | XXXX XXXX XXXX XXXX, TX XXXX | {$7600.00} | Date : XX/XX/XXXX | Account # : XXXX 3. ) XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX, TX XXXX | {$410.00} | Date : XX/XX/XXXX | Account # : XXXX 4. ) XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX, TX XXXX | {$4300.00} | Date : XX/XX/XXXX | Account # : XXXX 5. ) XXXX | XXXX XXXX XXXX XXXX  TX XXXX | {$3400.00} | Date : XX/XX/XXXX | Account # : XXXX XXXX. FTC Identity Theft report has already been attached to previous disputes more than 60 days ago. Completed and submitted FTC report will be again attached with this dispute. 
4. I am requesting a reinvestigation under FCRA 611 ( A ) regarding accounts that are not mine ; never initiated or created by me on my credit report involving a transaction with accounts above ^ I am requesting to include all names and contact information of employees that you spoke to as part of this reinvestigation and, lastly I am requesting the identification and accuracy of the data for all the ( 4 companies ) and ( 5 ) accounts listed ^ above : the identification I am requesting for will be the copy of proof of government issued identification your company do ; claims to have/ or may have on file, and a copy of the signature for those accounts that are opened under my name and my stolen identity within 30 days. A 15 day extension may be requested to provide everything requested in this section 4. Copy of documents requested and required to be sent to me must be sent either by mail or email. 
XXXX. As I, XXXX XXXX the disputing consumer for those accounts ^ above do not receive all copies requested above ^ in section 4 then all the inaccurate data must be completely deleted this includes all the data furnishers and 3 CRAs : Experian, XXXX, and XXXX with the inaccurate and fraudulent information that is placed on my personal credit, XXXX XXXX. 

I am extremely enraged to know that those accounts listed above are verified as accurate whereas there is no copy of identification and signature given to me to at the least clarify whom I am XXXX XXXX by legal name and with only one social security account number. Those accounts that are not mine is still shown on my report. The accounts above disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I request that you do not send me a template letter in response to this request. I am in the process of starting a legal case, so I need the copies required to be sent to me, XXXX XXXX by mail or email detailed in section 4 ^ above. I am requesting a prompt attention to this matter. 
Regards, XXXX XXXX DOB : XX/XX/XXXX | SS : XXXX | Address : XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX TX XXXX. 
Please be advised that the requested reinvestigation described in this complaint will be shared with the financial institution or company in question for their response. 


Duty to Prevent Repollution of Consumer Reports.If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.

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