Consumer complaint received 2024-12-19 00:00:00
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.
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Respondents : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint to address fraudulent accounts and inaccuracies reported on my credit file due to identity theft. Despite multiple disputes and submission of supporting documentation, the inaccuracies persist, causing significant harm to my financial and personal well-being. The following issues are outlined : Accounts in Question XXXX XXXX Account Number : XXXX Balance Reported : {$27000.00} Complaint : XXXX XXXX  acquired this debt from XXXX without proper notification. A contract was provided that I do not recall signing, and adequate validation was not offered despite my request. 

XXXX XXXX Account Number : XXXX Balance Reported : {$120.00} Complaint : Unauthorized transactions were reported, and XXXX  XXXX failed to address my disputes or complaints about unauthorized recordings during customer service interactions. 

XXXX Account Number : XXXX Balance Reported : {$210.00} Complaint : Unauthorized late payments and charge-offs appeared on my credit report due to identity theft. 

XXXX XXXX Account Number : XXXX Balance Reported : {$130.00} Complaint : Account discrepancies include improper closure and write-offs. 




Complaint : Fraudulent charges and unauthorized activity persist. 

Legal Violations The following violations of federal laws and regulations apply to these cases : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy. 

15 U.S.C. 1681i : Failure to investigate and correct disputed information. 15 U.S.C. 1681c-2 : Failure to block fraudulent information upon receipt of an identity theft report. Fair Debt Collection Practices Act ( FDCPA
) : 15 U.S.C. 1692g : Failure to validate debt upon consumer request.

15 U.S.C. 1692c ( c ) : Failure to cease communication after receiving a cease-and-desist notice.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1601 et seq. : Inaccurate or incomplete disclosure of loan terms.

Code of Federal Regulations ( CFR ) : 12 C.F.R. 1022.43 : Improper handling of identity theft disputes. 

12 C.F.R. 1026.12 : Liability for unauthorized charges. 

Requested Resolution Immediate Investigation : Conduct a thorough review of each disputed account.

Removal of Fraudulent Accounts : Eliminate all fraudulent or inaccurate accounts from my credit file.

Debt Validation : Provide sufficient documentation to validate each disputed debt.

Cease Collection Activities : Stop all collection efforts for these accounts until validated. 

Written Confirmation : Provide a detailed account of the steps taken to resolve these issues. 

Supporting Documentation Enclosed with this complaint : Police Report # XXXX. 

FTC Identity Theft Affidavit. 

Copies of prior dispute correspondence with creditors and credit reporting agencies. 

Summary The persistence of fraudulent accounts and the failure to address my disputes in a timely and lawful manner have caused significant emotional and financial distress. I request the CFPB to hold the parties involved accountable and enforce compliance with federal consumer protection laws. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

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