Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

1. ) Violations : Identified Inaccurate Information Resulting From Identity Theft : Account Name : XXXX ; Account number : XXXX ; Status : Charged Off ; Balance : {$1800.00} ; Date Opened : XX/XX/XXXX ; I am a victim of identity theft. Experian has made two major violations of FCRA regarding the above identified inaccurate information resulting from identity theft : 1 ) Experian failed to block the identified information resulting from identity theft within 4 business days pursuant to 15 USC 1681c-2. Experian received the notice to block the in formation on XXXX XXXX XXXX, but the item was not blocked untill 27 days later on XXXX XXXX, XXXX as shown in the attachments. 2 ) Once Experian blocked the information and reinserted it, Experian failed to provide me a notice pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ) that the previously deleted information has been reinserted in my credit file.

Because of these violations of the FCRA, I demand that Experian delete the information immediately.

2 ). Timeline : XX/XX/XXXX : A perpetrator of identity theft applies for and opens an account with XXXX on the basis of my personal information without my knowledge or consent committing identity theft. 
XXXX XXXX XXXX : This perpetrator of identity theft makes transactions and makes disputes with XXXX and Experian on the basis of my personal information, identification documents, and a forged signature without my knowledge or consent, committing identity theft. 
XX/XX/XXXX : I sent the first CRA dispute notice ( block request ) to Experian with the required proof of claim of identity theft pursuant to 15 USC 1681g ( e ) ( 2 ) ( B ). XX/XX/XXXX : First direct dispute notice sent directly to XXXX requesting to remove the identity theft account, with the required proof of claim of identity theft pursuant to 15 USC 1681g ( e ) ( 2 ) ( B ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ). 
XX/XX/XXXX : Experian receives the first Dispute Notice signed by return receipt. XX/XX/XXXX : XXXX receives first direct dispute notice direct from me w/ signed return receipt. 
XXXX XXXX, XXXX : XXXX fails to carry out reasonable investigation of my direct dispute within 30 days pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ) sending the results directly to me and therefore is required to delete the identity theft account. XX/XX/XXXX : XXXX  Identity Theft Account was deleted from credit report. XX/XX/XXXX : XXXX Identity Theft Account was reinserted because XXXX certified to Experian ( under a false representation ) that I was not a victim of identity theft even after receiving my proof of claim of identity theft described in 15 USC 1681g ( e ) ( 2 ) ( B ), because they claim that there was a prior dispute filed under my name for the same account not alleging identity theft. ( But this is incorrect because the criminal made the communications with them between XX/XX/XXXX to XX/XX/XXXX on the basis of my information by identity theft ). 
XX/XX/XXXX : Experian Receives second dispute notice from me responding to their reinsertion, asserting the list of violations due to providing the required proof of claim of identity theft to delete the account and proof of address at the time of the fraud which does not match the address on the account. 
XX/XX/XXXX : I sent XXXX a third Direct Dispute-Investigation Request in writing, in which I provided additional evidence, and proof I did not provide any correspondences regarding the account before my first correspondence sent XX/XX/XXXX certified by a police officer and the FTC as required as proof of claim in 15 USC 1681g ( e ) ( 2 ) ( B ). I also sent a Request for production of certain documents as required in 15 USC 1681g ( e ) which they failed to provide any documents. 
XX/XX/XXXX : XXXX ( XXXX ) fails to carry out reasonable investigation of my direct dispute within 30 days pursuant to 15 USC 1681s-2 ( a ) ( 8 ) ( E ) sending the results directly to me and is required to delete the identity theft account. This is the third time XXXX failed to carry out a reasonable investigation of identity theft within 30 days.