Consumer complaint received 2018-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

on a recent checkup i've made on my credit report, i realized that my information have been stolen and noticed some accounts that have been results of identity theft.

To Whom It May Concern : This is a request for deletion of disputed items. I have attempted to have these inaccurate and incomplete reporting verified by the furnisher of information to no avail. I'm not even aware of how these got into my credit. I don't know if it was because of data breach. I am respectfully requesting that these companies, do what is legally mandated by the FCRA and delete the account listing from my consumer file. 

Each of these accounts received a notice of dispute from me resulting in them advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnishers of information, as the FCRA provides. After disputing with the furnishers, they have failed to provide any proof or respond in any way. 

I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced accounts, with both Original Creditor and furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agencies nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Sincerely, Accounts : 1-XXXX XX/XX/XXXX 2- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XX/XX/XXXX 5- XXXX XXXX XX/XX/XXXX 6- XXXX XX/XX/XXXX 7- XXXX XXXX XXXX XXXX XX/XX/XXXX 8- XXXX XXXX XXXX XXXX XX/XX/XXXX 9-XXXX XXXX XXXX XX/XX/XXXX 10- XXXX XXXX XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XX/XX/XXXX 13- XXXX XXXX   XX/XX/XXXX 14- XXXX XXXX XXXX XX/XX/XXXX 15- XXXX XXXX XXXX  XX/XX/XXXX 16- XXXX XX/XX/XXXX 17- XXXX XXXX XXXX XX/XX/XXXX 18- XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX