Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. This has ruined my life for I am unable to obtain new credit or refinance my house and car. I have worked so hard to build my credit and keep it in good standing until someone decided to steal my identity. I have filed a police report with my local police department, and I have also mailed in a copy of my credit report, drivers license and social security card which was sent certified mail. XXXX, XXXX  and Experian will not remove them. The refusal to remove the fraudulent activity on my credit report has cause XXXX XXXX and XXXX XXXX. I have hired a consumer lawyer to assist me in the matter. During his investigation, he noticed several breaches concerning the fair credit reporting act as it relates to consumer fraud on the credit bureaus behalf. I have already opted out of arbitration, so I am no longer subject to XXXX, XXXX  and Experian arbitration procedures. 


I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report No XXXX ) with (  XXXX ) Police Department. I, ve also mailed in certified letters to XXXX, XXXX  and Experian. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX  security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter, He noticed several instances where XXXX, XXXX  and Experian are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. XXXX, XXXX and Experian continue to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX  will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX, XXXX  and Experain has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ). 


3 collection accounts Total balance : {$1000.00} 1.Original creditor : {$68.00} Balance updated Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account 2.XXXX XXXX   XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX 3.XXXX XXXX  Original creditor : XXXX XXXX  {$0.00} Account number XXXX

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