Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Subject : CFPB Complaint Response to XXXX XXXX. XXXX - XXXX XXXX XXXX Dear CFPB, I am writing in response to the complaint referenced above, involving XXXX XXXX XXXX XXXX where I am a victim of identity theft. I would like to reiterate that I have never conducted any business with XXXX XXXX XXXX. Additionally, there is an inconsistency with the name associated with this accountmy legal name is " XXXX XXXX XXXX, '' as reflected on my drivers license issued by the DMV. However, the name " XXXX XXXX '' appears to have been used fraudulently, which I find troubling as XXXX has updated the name on the account despite my previous disputes. 

I am uncertain what identification was used to establish this account, but my drivers license clearly reflects " XXXX XXXX XXXX, '' and any documents presented under " XXXX XXXX '' should have been flagged. I have previously provided a police report of the identity theft to XXXX and the XXXX major credit reporting agencies ( Experian, XXXX, and XXXX ), yet the erroneous information persists. 

The address associated with the account, XXXX XXXX XXXX, is a location I have never lived or resided at. Despite my repeated efforts to resolve this issue, XXXX has continued to report this fraudulent tradeline, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX failure to adhere to 15 USC 1681e Compliance Procedures and prevent the reporting of inaccurate information is damaging my credit. 

XXXX reputation in mishandling identity theft cases of this nature is concerning, and I am requesting, for the final time, that XXXX cease all reporting related to this fraudulent account and remove the tradeline immediately. If this matter is not resolved promptly, I will have no choice but to pursue legal action against XXXX XXXX XXXX. 

Here are XXXX cases where XXXX XXXX XXXX has been sued by individuals for identity theft, resulting in favorable outcomes for the victims : XXXX. XXXX XXXX XXXX XXXX XXXX : In this case, the plaintiff, XXXX XXXX, was a victim of identity theft and had never done business with XXXX XXXX XXXX. After discovering a fraudulent loan on his credit report, he sued XXXX for failing to verify the identity of the individual who used his information. The court ruled in favor of XXXX, ordering XXXX to cease reporting the fraudulent account and awarding him damages for the impact on his credit score. 

XXXX. XXXX v. XXXX XXXX XXXX : XXXX XXXX sued XXXX after discovering that her identity was stolen to secure a car loan. XXXX had failed to follow proper identification procedures, allowing the thief to use her Social Security number and a fake driver 's license. The court found XXXX liable for negligence and violations of the Fair Credit Reporting Act ( FCRA ), ruling in favor of XXXX. 

XXXX. XXXX v. XXXX XXXX XXXX : XXXX successfully sued XXXX after being wrongfully associated with a fraudulent car loan. He argued that XXXX failed to implement adequate identity verification measures. The court agreed, citing the company 's failure to properly scrutinize the identity documents, and awarded XXXX financial compensation. 

XXXX. XXXX v. XXXX XXXX XXXX : XXXX XXXX discovered an auto loan on his credit report from XXXX that he never authorized. After attempting to resolve the issue with XXXX and receiving no response, XXXX filed a lawsuit. The court ruled in his favor, finding that XXXX had not taken reasonable steps to verify the identity of the individual who took out the loan, which violated the FCRA. 

XXXX. XXXX v. XXXX XXXX XXXX : In this case, Thompsons identity was stolen, and a vehicle was purchased through XXXX using fraudulent information. XXXX filed a lawsuit after his disputes were ignored. The court sided with him, requiring XXXX to remove the fraudulent account and pay damages for emotional distress and financial harm caused by their negligence. 

These cases highlight instances where victims of identity theft successfully sued XXXX for failing to properly verify identity information during the loan process, leading to favorable resolutions for the plaintiffs. 

This is my last and final attempt to resolve the ongoing matter related to the fraudulent account reported under my name. As I have informed you previously, I am a victim of identity theft and have never done business with XXXX XXXX XXXX. Despite providing a police report and disputing this matter with all three credit reporting agencies, the inaccurate information linked to this account has not been removed from my credit file. 

I am giving you 30 days from the date of this letter to remove the fraudulent account from my credit report. Failure to do so will result in legal action, and I will seek damages for the harm caused to my credit standing and financial well-being due to your company 's negligence in handling this matter. 

Please consider this my final request. 

Sincerely, XXXX XXXX XXXX