Consumer complaint received 2023-07-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act - Section 15 U.S.C. 1681b Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, as authorized by the Fair Credit Reporting Act ( FCRA ) under Section 15 U.S.C. 1681b. After thoroughly reviewing my credit report, obtained from your agency, I have identified certain discrepancies that require immediate attention and correction. 

Please find below the details of the disputed information : Explanation of Dispute : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal prosecutor consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions to the accounts listed IMMEDIATELY! 

Furthermore, I am enclosing copies of relevant supporting documents, including but not limited to receipts, statements, or other evidence that substantiate my claim. I kindly request that you investigate this matter promptly, as the incorrect information on my credit report negatively impacts my creditworthiness and financial well-being. 

According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice. I expect you to contact the creditor in question and verify the inaccuracies as part of your investigation. Once complete, I request that you provide me with a written response detailing the results of your investigation, including any changes or updates made to my credit report as a result. 

In accordance with the FCRA, I also request that you inform all parties who received my credit report within the past six months of the dispute and provide them with the corrected information. 

I appreciate your attention to this matter and your compliance with the FCRA. Please consider this letter as an official notice and be aware that I will not hesitate to take further legal action if my rights under the statute are not properly upheld. 

I look forward to your prompt resolution of this dispute and the subsequent correction of my credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX 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