Consumer complaint received 2024-09-18
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. (OH)

I am filing a formal complaint against both Experian and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate reporting of a bankruptcy, unauthorized addresses, and fraudulent accounts on my credit report, all due to identity theft. 

I have already provided Experian and XXXX with the appropriate documentation, including an identity theft affidavit and an FTC report, yet they have failed to remove these inaccuracies in clear violation of the FCRA. Below are the specific issues and related FCRA sections that are being violated : Issues with Experian : Inaccurate Bankruptcy Reporting Experian continues to inaccurately report a bankruptcy on my credit report despite my submission of proof showing that the bankruptcy does not belong to me. 
FCRA Violation ( Section XXXX ( a ), XXXX XXXX XXXX XXXX ) : Credit bureaus are required to investigate disputed information and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. Experian has failed to correct this despite being provided with evidence, and the lack of reporting by XXXX proves the error. 
Re-Addition of Inaccurate Address After Removal Despite removing an inaccurate address after my submission of the FTC report and identity theft affidavit, Experian re-added this address to my credit report. Specifically, they inaccurately re-added XXXX XXXX XXXX, XXXX, OH XXXX, in XX/XX/year>. This address is incorrect, and Experian is the only bureau reporting it. 
FCRA Violation ( Section XXXX ( a ) ( XXXX ) ( B ), XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) ) : Re-insertion of deleted information requires notification to the consumer within XXXX business days, along with certification of the informations accuracy. Experian failed to comply with this requirement after re-adding the address. 
Inaccurate Accounts Experian is still reporting accounts that I did not authorize, which are tied to the identity theft incident. 
FCRA Violation ( Section XXXX, XXXX XXXX Code XXXX ) : Under this section, credit reporting agencies must block the reporting of information resulting from identity theft once a valid identity theft report is provided. Despite my submission of an FTC report and identity theft affidavit, Experian has failed to block the fraudulent accounts. 
Issues with XXXX : Inaccurate Bankruptcy Reporting Similar to Experian, XXXX is reporting a bankruptcy on my credit report that does not belong to me. XXXX does not report this, proving the inaccuracy. 
FCRA Violation ( Section XXXX ( a ), XXXX XXXX XXXX XXXX ) : XXXX has similarly failed to investigate and correct this inaccurate bankruptcy record despite my dispute. 
Request for Investigation : Under FCRA XXXX XXXX, I am requesting a full investigation of these matters by the CFPB. The following specific FCRA laws are relevant to my complaint : FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) : Requires credit reporting agencies to block fraudulent information resulting from identity theft. 
FCRA Section XXXX ( a ) ( XXXX XXXX. XXXX ) : Requires credit bureaus to investigate disputed information and remove inaccuracies. 
FCRA XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ) : Prohibits the re-insertion of deleted information without proper certification and notification.