Consumer complaint received 2016-08-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Guess This is not a complaint on EXPERIAN But I 'm dealing with a identity Theft Case That was Just reported On My credit report with a XXXX XXXX. The orginal creditor was XXXX I file a police report XX/XX/2016 and sent that off to All XXXX of the major credit reporting agencies. XXXX Goes and I guessing sells the account to XXXX XXXX and it appears back on My credit File. They claim That they never got my police report that I sent to them and also The the police report that you submitted to them as well so My question is to XXXX did you or did you not submitt a copy of the police report to the creditors when I sent this to you? XXXX have said that they never got One from you or me. for the record this is what XXXX stated Response XXXX XXXX, a review of XXXX XXXX 's business records indicates that you have retained an attorney. XXXX XXXX has no record of your attorney 's contact information. Please provide your attorney 's information, if applicable, so that we may contact him/her directly. If XXXX XXXX does not receive attorney information in the next 30 days, it will assume that you are not or are no longer working with legal counsel and will mark your account accordingly. 

You express a concern that you are a victim of fraud, and that you have submitted a police report to the original creditor. XXXX XXXX has reached out to the issuer, who advised that while their files indicate that you have disputed the debt, they have not received a police report from you. 

You also state that you have informed XXXX XXXX that the account is fraudulent. While XXXX XXXX has received XXXX written disputes from you, it has not received documentation supporting your claim that the debt is fraudulent. Please note, XXXX XXXX stands ready to assist you in clearing your record if you have been a victim of identity theft or fraud. If such is in fact the case, XXXX XXXX respectfully requests that you provide it with a copy of either a police report or affidavit of fraud showing that you reported the fraudulent activity. If submitting an affidavit of fraud, you should complete the form and have the form notarized. 

You can contact XXXX XXXX online at XXXX where you can email questions to a Consumer Support Services ( CSS ) specialist, find the answers to frequently asked questions, and upload documents to support your request. Uploaded documents are automatically sent to a CSS specialist, who will investigate your question and mail back a response. Or you may forward appropriate documentation to CSS using the contact information on this letterhead. 

Per your previous request, the above-referenced account will remain marked " Cease and Desist. '' While it remains due and owing, you will continue to not receive contact from XXXX XXXX representatives unless a response is required by law. Please see XXXX XXXX 's comprehensive response letter, which is attached for additional information. 


per the FCRA & 605 ( B ) ( 15 U.S.C & 1681C-2 That you Guy 's have to Notify the creditor once ( a ) Block. Except as otherwise provided in this section, 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 by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information id

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