Consumer complaint received 2024-01-05
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. (LA)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

These companies are hindering me from getting a new car, stopping me from getting a better job and new mortgage for myself and my XXXX kids..we are living in a XXXX bedroom apartment as of now!! I have already contacted the credit bureaus about the inaccuracies on my credit report. Secondly, I sent letters to them 30 days ago and I still not heard from these people yet! 

Sincerely, XXXX XXXX XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXXXXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX All providers of consumer reports are required to adhere to applicable regulations, including those introduced subsequent to the issuance of this notice in 2004. Current information on relevant regulations can be accessed on the Consumer Financial Protection Bureaus website at www.consumerfinance.gov/learnmore.

NOTICE TO INFORMATION PROVIDERS : RESPONSIBILITIES UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes obligations on individuals furnishing information to consumer reporting agencies ( CRAs ). These responsibilities, outlined in Section 623 of the FCRA, 15 U.S.C. 1681s-2, may be supplemented by state law requirements. To ensure compliance, all information providers to CRAs should familiarize themselves with applicable laws and seek legal counsel if necessary. The complete text of the FCRA is available on the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore, with cross-references to the U.S. Code provided at the document 's conclusion.

Section 623 outlines the following duties : Accuracy Guidelines : Regulatory guidelines on information accuracy provided to CRAs will be issued by banking and credit union regulators and the CFPB, accessible at www.consumerfinance.gov/learnmore upon release ( Section 623 ( e ) ).

General Prohibition on Reporting Inaccurate Information : Information furnishers are prohibited from supplying CRAs with knowingly inaccurate information. However, this prohibition does not apply if the furnisher clearly designates an address for consumers to report inaccuracies ( Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) ).

Duty to Correct and Update Information : If a furnisher discovers incomplete or inaccurate information previously provided to CRAs, they must promptly provide accurate information and notify all relevant CRAs of the corrections ( Section 623 ( a ) ( 2 ) ).

Duties After Notice of Dispute from Consumer : Upon receiving notice of inaccurate information from a consumer, the furnisher must correct the information and report the accurate details to CRAs ( Section 623 ( a ) ( 1 ) ( B ) ).

Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA informs the furnisher of a consumer dispute, the furnisher must conduct an investigation, report the results to the referring CRA, and, if necessary, correct the information with all relevant CRAs within specific timeframes ( Section 623 ( b ) ).

Duty to Report Voluntary Closing of Credit Accounts : Furnishers must report the voluntary closure of credit accounts to CRAs during the relevant period ( Section 623 ( a ) ( 4 ) ).

Duty to Report Dates of Delinquencies : Furnishers must report the month and year of delinquency commencement within 90 days for delinquent accounts ( Section 623 ( a ) ( 5 ) ).

Duties of Financial Institutions When Reporting Negative Information : Financial institutions must notify consumers in writing if they may furnish or have furnished negative information to a CRA ( Section 623 ( a ) ( 7 ) ).

Duties When Furnishing Medical Information : Medical information furnishers must notify all CRAs to which they report of their primary business status and adhere to FCRA provisions regarding medical information reporting ( Section 623 ( a ) ( 9 ) ).

Duties when ID Theft Occurs : Furnishers must establish procedures to address identity theft notifications from CRAs and refrain from refurnishing such information. Any inaccuracies resulting from identity theft must be promptly corrected and reported ( Section 623 ( a ) ( 6 ) ).

For further details and additional resources, visit the Consumer Financial Protection Bureau website at www.consumerfinance.gov/learnmore. The FCRA sections in the U.S. Code are cited in the document for reference.

References to FCRA Sections in the U.S. Code, 15 U.S.C. 1681 et seq. : - Section 603 - Section 604 - Section 605 - Section 605A - Section 605B - Section 606 - Section 607 - Section 608 - Section 609 - Section 610 - Section 611 - Section 612 - Section 613 - Section 614 Citations : - 15 U.S.C. 1681 - 15 U.S.C. 1681a - 15 U.S.C. 1681b - 15 U.S.C. 1681c - 15 U.S.C. 1681c-1 - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681d - 15 U.S.C. 1681e - 15 U.S.C. 1681f - 15 U.S.C. 1681g - 15 U.S.C. 1681h - 15 U.S.C. 1681i - 15 U.S.C. 1681j - 15 U.S.C. 1681k - 15 U.S.C. 1681l - Section 615 - Section 616 - Section 617 - Section 618 - Section 619 - Section 620 - Section 621 - Section 622 - Section 623 - Section 624 - Section 625 - Section 626 - Section 627 - Section 628 - Section 629 Citations : - 15 U.S.C. 1681m - 15 U.S.C. 1681n - 15 U.S.C. 1681o - 15 U.S.C. 1681p - 15 U.S.C. 1681q - 15 U.S.C. 1681r - 15 U.S.C. 1681s - 15 U.S.C. 1681s-1 - 15 U.S.C. 1681s-2 - 15 U.S.C. 1681t - 15 U.S.C. 1681u - 15 U.S.C. 1681v - 15 U.S.C. 1681w - 15 U.S.C. 1681x - 15 U.S.C. 1681y