Consumer complaint received 2024-06-17
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. (UT)

I've dispute information on my credit report resulting from identity theft. This formal request to delete any and all fraudulent accounts and inquiries associated with my name and Social Security number, as mandated by various provisions under the Fair Credit Reporting Act ( FCRA ) and related laws. Experian, XXXX, XXXX still refuse to delete these fraudulent accounts and address that aren't associated with my current address THAT I NEVER LIVED AT!. I've been told it can't be removed because of their connected to these fraudulent addresses. WHEN DID THESE COMPANIES POLICY TRUMP FEDERAL LAW? 

Relevant Legislation : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 15 U.S.C. 1681g ( a ) ( 5 ) : Information on free annual file disclosures 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681b : Conditions for furnishing and using consumer reports 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft 15 U.S. Code 6802 ( B ) - Obligations with respect to disclosures of personal information. Fraudulent Information : After reviewing my credit report, I identified the following fraudulent accounts and inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX/inquiries/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Potentially Negative XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1900.00} XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3600.00} XXXX XXXX late. {$3600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Status Paid, Closed. 
Supporting Documentation : I have enclosed the following documents to support my dispute and verify my identity : Under the provisions of the FCRA, I formally request that you : Block and delete all fraudulent accounts and inquiries listed above from my credit report. 
Refrain from including any information on my credit report that has resulted from this identity theft. 
Provide me with a corrected copy of my credit report reflecting these changes.

Legal Rights : According to 15 U.S.C. 1681c-2, you are required to block the information resulting from identity theft within four business days of receiving my request. Additionally, under 15 U.S.C. 1681g ( a ) ( 5 ), I am entitled to a free copy of my credit report reflecting these changes.