Consumer complaint received 2024-03-08
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. (PA)

I am a victim of identity theft.. 

looked at my credit report back on XX/XX/XXXX ( I have proof of Tracking ) and I noticed some things are incomplete, fraudulent and not accurate, And according to FCRA Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not complete and not accurate XXXX. The following personal information is incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX ( fraudulent ) Account Number : XXXX Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. XXXX Account Number : XXXX XXXX ( ( fraudulent ) Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 7. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 9. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXXXXXX ( fraudulent ) Account Number : XXXX Please remove it from my credit report. 
According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. According to Cushman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. XXXX XXXX Account Number : XXXX Please remove it from my credit report. According to XXXXshman v Transunion 1997, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number : XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments, everything is not complete and accurate. 
And according to 15 USC 1i 5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph XXXX of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( B ) ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) description of reinvestigation procedure A consumer reporting agency shall provide to a consumer adescription referred to in paragraph ( 6 ) ( B ) iii ) by no later than 15 days after receiving a request from the consumer for that description. 
!!!!!!! BUT THEY DID NOT DO THAT AS WELL EITHER!!!!!!!!!! 
And according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 
According to 15 USC 1681s-2A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has any reasonable cause to believe that the information is inaccurate.