Consumer complaint received 2024-06-22
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. (NV)

Recently I contacted EXPERIAN looking to speak with the fraud department for some fraudulent information that is currently being reported onto my file as a result of identity theft. 

Pursuant to 15 USC 1681c-2 ( a ) I have already done everything required to enforce EXPERIAN compliance with the block and removal of all information related do Identity theft as I have reported it to EXPERIAN. 

1. I have provided My identification as appropriate proof of my identity as the consumer 2. I have submitted a copy of a government compliant identity theft report/police report 3. I have identified the information as the consumer involved that relates to identity theft 4. I have included a statement that the information is not relating to any transaction by myself as the consumer involved.

This was all that Federal law requires of me as a consumer being affected by identity theft, I have not authorized the fraudulent information that has been reported onto my consumer credit file. A Notarized copy of the Identify theft report was also mailed to and received by EXPERIAN with my Notice of Identity theft. 

EXPEIRAN is inaccurately reporting information to my consumer credit file and its agents refuse to comply with Federal Law and fix the issue.

Instead of getting any type of proper assistance when I call, which is my RIGHT, I have been consistently been redirected to the department known as consumer affairs department. 

I am severely displeased with this department as they refuse to do what the law demands they do in this situation, furthermore the agents in this department are very unpleasant and seek to argue with me about the situation instead of complying as the law states they MUST. This is not optional the Fair Credit Reporting Act is very clear as to what must be done, these agents are NOT handling my consumer credit file fairly. 

I wish to immediately be removed from this special handling department as they alleged, there is no fair or conscionable benefit for my consumer credit file being under this department. I have never had any attorney work on my file as the last agent alleged and as a consumer, I have the RIGHT to direct how MY consumer credit report is handled. This is a part of my general reputation and it is unfair for me to continue to be belittled and mistreated by these agents. The law is clear as to the direction in this case, there is no certified information to verify any of the information other than MY own certification through affidavit that this information is fraudulent. 

This notice is being specifically drafted for the CFPB to intervene however, if no favorable and fair response is received within 4 business days of receipt, I will immediately move forward with the necessary action to litigate these matters and achieve my fair resolution. 

This also includes the alleged late payment being reported on the XXXX account ending in XXXX which no investigation has certified to be verified either and I have already provided physical proof that the payment was made on within 30 days, this information is also INACCURATELY reporting onto my consumer credit file. 
I have provided a notice of default within the attached notice, specifically clarifying my intent to take further action on this matter should EXPERIAN continue to harm me through this fraudulent and inaccurate credit reporting onto my consumer credit file. This is causing me GREAT harm and preventing me from moving forward in my life, everything needs credit in this country and my credit has been and continues to be damaged by EXPERIAN 's consumer credit reporting of my consumer credit file.