Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute with the credit bureaus and the creditor directly regarding accounts being reported on my credit file that are reporting inaccurate information also I disputed the account due to unauthorized charges being reported on my credit file. I provided a police report from XX/XX/XXXX and on this report it states exactly what was stolen from me. I had no ID, or social because it was stolen as well and I had to wait for the actual police report to be completed before I could provide it. I have emails from and to the police department in XXXX when I REQUESTED a copy of the report to provide to the bureaus due to XXXX it was difficult to get these things resolved because I had no way of getting my police report and the officer notified me that the report would not be ready the same day or month gave me a case card to follow up on my report. The bureau 's keep rejecting my request because they specified that the report does not have the officers badge number or is not related to identity theft which is NOT ACCURATE. XXXX reported to the credit bureaus that when I opened my account the APPROVED amount was {$5000.00}. Which is false because when I opened the account the APPROVED CREDIT LIMIT was {$10000.00}. I contacted the company in XXXX when my card was stolen spoke to a representative and notified them. They were suppose to investigate and resolve the issue instead they refused to fix the problem closed my account and charged it off. Each time I dispute the account they UPDATE my credit file instead of removing the account from my credit file. Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. XXXX XXXX XXXX account was also disputed because of unauthorized charges and instead of properly investigating this they refused to fix the problem closed my account and charged it off. XXXX XXXX XXXX reported that the APPROVED credit limit was {$700.00} but the APPROVED credit limit is {$1000.00} each time I dispute the account information is changed and updated each time. Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. XXXX account was also disputed because of unauthorized charges and instead of properly investigating this they refused to fix the problem they reported TWO accounts with the same outstanding balance opened and closed at the same time on my credit file. They closed my account and charged it off and each time I dispute the duplicated accounts they CLAIM to investigate it but instead they make changes and report that the information was updated but never specify what information and what SOURCE. If it was accurate why are they updating it each time I dispute the inaccuracies. At this point they need to remove it from my credit file. Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. As a victim of identity theft my requests should have been taken seriously these accounts being reported on my credit file have caused me so much problems I haven't been able to purchase a home or pursue any of my goals because it has been damaging to my credit. XXXX XXXX  XXXX XXXX reported to the credit bureaus contacted the company in XXXX when my card was stolen spoke to a representative and notified them. They were suppose to investigate and resolve the issue instead they refused to fix the problem closed my account and charged it off. Each time I dispute the account they UPDATE my credit file instead of removing the account from my credit file. Under XXXX U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. Under 15 U.S.C.1681c-2, 15 U.S.C.1666, 15 U.S.C.1666b, 15 USC 1681S-2, AND 15 USC Code 1681b my rights have been violated. These accounts do not meet FCRA requirement and are unfair and inaccurate reporting. Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

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