Consumer complaint received 2025-01-17 00:00:00
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.
State: FL

Complaint narrative:
Subject : Request to Block Fraudulent Information, Place Fraud Alert, and Address Inconsistencies on Credit Report Dear Credit Reporting Agency, I am writing to formally request the immediate blocking of fraudulent information from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) ( 15 U.S.C. 1681c-2 ), and to place a fraud alert on my file. I have recently become a victim of identity theft, and as a result, there are fraudulent accounts and inquiries on my credit report that I did not authorize or participate in.

These fraudulent accounts and activities appear to have been initiated using my personal information, and the details listed below are not associated with any legitimate transactions I have authorized. I have always paid for goods and services in cash, and I was shocked to learn of these fraudulent activities after a recent credit review. Although I previously hired a credit repair company to assist with this matter, I believe their services were not adequate. I am now taking the necessary steps to resolve this issue independently.

I request that you delete all fraudulent items from my credit report until a full investigation has been completed. The impact of these fraudulent items on my credit is severe, and I am unable to perform even basic transactions due to the inaccurate reporting. Enclosed are copies of my identity verification documents ( such as my Social Security card and government-issued ID ) to confirm my identity.

I am also requesting a fraud alert be placed on my file to notify potential creditors of the risk of identity theft. This will provide added protection while my case is under review.

Below are the details of the discrepancies and fraudulent activities on my credit report : 1. Account Number Discrepancies : The same account number appears differently across the three bureaus. This inconsistency raises concerns of potential identity theft and unauthorized access to my information.

2. Payment Status Inconsistencies : I have noted that the payment status varies across different credit bureaus. Such discrepancies in payment status could be indicative of fraudulent activity or errors made by the reporting agencies.

3. Address Variations : The addresses listed across the bureaus do not match, which further suggests that unauthorized individuals may be using my information at different, unknown locations.

4. Employer Information Issues : I have observed that the employer section in my reports is inconsistent across the bureaus. This raises suspicion that fraudulent attempts may be made to associate my identity with accounts that I have not authorized.

5. Unauthorized Accounts : Some accounts appear on my credit report without my consent, indicating possible fraudulent activity. 
Enclosed Documentation : Enclosed Documentation : 1. A copy of the identity theft report I filed with the Federal Trade Commission FTC Report Number XXXX, XXXX, XXXX, dated XX/XX/year>. 
2. A copy of my identification ( Driver 's License, State ID, etc. ) to verify my identity.

3. Law Enforcement Report 4. A signed statement confirming that the information listed above is not related to any transaction that I participated in or authorized. 

RE : Formal Complaint Regarding Inaccessibility of Credit Report and Potential Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the denial of access to my credit report by XXXX. I believe this issue is a result of identity theft, and I am concerned that my ability to access my credit report has been unfairly restricted, violating my rights as a consumer. Despite multiple attempts to access my credit report, I have been consistently denied access or given inaccurate information. 

As a consumer, I have the legal right to access my credit report, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which states that consumers are entitled to obtain a free copy of their credit report from each of the three major credit bureaus once every 12 months. Under 15 U.S.C. 1681b, Experian is required to provide access to my credit report when I request it, and I am requesting assistance in resolving this issue promptly.

Furthermore, I believe I am a victim of identity theft, as I have noticed inconsistencies across my credit report, including discrepancies in account information, addresses, and employer information. 15 U.S.C. 1681c-2, relating to " Blocking Information Resulting from Identity Theft, '' outlines that consumers have the right to request that any information related to identity theft be blocked from their credit report, and the consumer reporting agencies are obligated to comply. As I believe I am a victim of such theft, my credit report has likely been compromised and contains fraudulent information.

The Fair Credit Reporting Act ( FCRA ) provides further protections for victims of identity theft. According to 15 U.S.C. 1681c-1, if a consumer has filed a police report regarding identity theft, they are entitled to request a fraud alert be placed on their credit file, and the credit reporting agency is required to take immediate action to protect the consumers information.

Here are the key issues and violations that I have encountered : Failure to Provide Access to My Credit Report : Experian has denied my attempts to access my credit report, violating my rights under 15 U.S.C. 1681g. I have made multiple requests to access my report and received no clear response or actionable information regarding the status of my request.

Inconsistencies in My Credit Report : Upon reviewing my credit report, I noticed discrepancies, including inconsistent addresses, incorrect account information, and unfamiliar employer details. These inconsistencies suggest the potential misuse of my identity. Under 15 U.S.C. 1681c-2, I am entitled to request an investigation into these discrepancies, and Experian is obligated to assist in rectifying these issues.

Identity Theft and Fraud Prevention : As I suspect I am a victim of identity theft, I am requesting that Experian block any fraudulent information from my credit report as per 15 U.S.C. 1681c-1. However, Experian has failed to assist me in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation