Consumer complaint received 2022-10-31
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:
ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

Experian, XXXX and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to Experian, XXXX and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX  and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that Experian, XXXXXXXX XXXX XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

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