Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Subject : Formal Complaint Regarding Multiple FCRA Violations, Identity Theft, and Reporting Discrepancies Dear [ XXXX ], I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file, despite my previous attempts to resolve these issues due to identity theft. The continued discrepancies across your reports have caused significant damage to my credit profile and well-being. The following accounts are being reported with inaccurate statuses : XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$2800.00} ( in collections/charge-off ) This account is falsely being reported in derogatory status, with remarks indicating a " charge-off '' due to identity theft. Despite my submission of an identity theft affidavit, XXXX has failed to remove or correct this account. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking of fraudulent information. 
XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$53000.00} Current status : XXXX days late This account has been inaccurately reported as XXXX days late, and despite being in dispute, the resolution remarks state " dispute resolved; customer disagrees, '' which is both inaccurate and unresolved. I have provided sufficient evidence of identity theft, yet the reporting errors persist, further violating FCRA rules regarding timely and accurate reporting. 
XXXX  XXXX Account opened : XX/XX/XXXX Balance : {$700.00} ( credit limit {$300.00} ) Current status : XXXX days late, account closed This account has been marked as " dispute resolved ; reported by grantor, '' which is erroneous. The account continues to reflect an inaccurate late payment history, and XXXX and XXXX are reporting different details for the same account, causing further confusion and damage to my credit profile. 
XXXX Account opened : XX/XX/XXXX Balance : {$5600.00} ( charged off ) Despite being the result of identity theft, this account remains on my report with a charge-off status. The creditor has falsely certified this information, and your failure to correct it after receiving proper documentation also violates FCRA Section 605B.

Relief Requested : Immediate removal of all fraudulent and inaccurately reported accounts from my credit file. 
Correct and consistent reporting of my credit profile across all credit bureaus. 
Compensation for the damage caused to my credit rating, financial standing, and emotional distress due to these reporting violations. 
Written confirmation from each reporting agency that these accounts have been removed and the reporting issues have been resolved. 
If these issues are not addressed promptly, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights under the FCRA. 

I trust you will treat this matter with the seriousness it deserves and look forward to your prompt response.

addedSubject : Formal Complaint Regarding FCRA Violations, Identity Theft, and Inaccurate Reporting by XXXX Dear XXXX XXXX ] XXXX I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file due to identity theft. Despite providing the necessary documentation ( including identity theft affidavits and police reports ), the following accounts continue to be misreported, resulting in violations of the Fair Credit Reporting Act ( FCRA ). These violations have caused significant harm to my financial standing and personal well-being. 

Accounts in Dispute : XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$2800.00} ( in collections/charge-off status ) FCRA Violations : Section 605B : I submitted proof of identity theft, but this fraudulent account remains on my report. The FCRA requires credit reporting agencies to block and remove information resulting from identity theft when proper documentation is provided.

Section 623 : Inaccurate reporting from XXXX continues to be reported, which violates the duty to report accurate information and investigate properly under the FCRA. 
XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$53000.00} Current status : XXXX days late FCRA Violations : Section 611 : Despite my dispute and the supporting documents indicating identity theft, the account has not been corrected. This violates the requirement for credit reporting agencies to conduct a reasonable reinvestigation when disputes are filed.

Section 623 : The creditor 's inaccurate reporting of this account as XXXX days late, without correcting the error or verifying it accurately, violates their duty to provide correct information. 
XXXX XXXX Account opened : XX/XX/XXXX Balance : {$700.00} FCRA Violations : Section XXXX : XXXX  XXXX continues to inaccurately report late payments. Under this section, furnishers must not report information if they know or have reason to believe it is inaccurate.

Section 605A : This account was linked to identity theft, and XXXX XXXX XXXX properly block this fraudulent information under the required time frame. 
XXXX  Account opened : XX/XX/XXXX Balance : {$5600.00} ( charge-off status ) FCRA Violations : Section 605B : Experian failed to block the fraudulent charge-off information despite my submission of identity theft documentation, including a police report. This constitutes a clear violation of my rights under this section. 
Requested Relief : I am seeking the following relief due to the significant harm caused by these FCRA violations : Immediate Removal : I demand the removal of all fraudulent accounts and inaccurate information resulting from identity theft from my credit file, as required under FCRA Sections 605B and 605A.

Accurate Reporting : Both XXXX and XXXX must ensure that my credit profile is accurately reported across all bureaus and corrected within the timelines required by the FCRA. 
Compensation for Damages : I request compensation for the financial and emotional distress caused by these reporting violations. This includes damages for the negative impact on my credit score, denial of credit, and the time and resources spent disputing these inaccuracies. 
Written Confirmation : I request written confirmation that these accounts have been removed from my credit file and that corrections have been made. This should include a full report showing accurate and corrected information. 
If these violations are not corrected promptly, I will escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX