Consumer complaint received 2024-08-13 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: MD

Complaint narrative:
in XXXXXXXX XXXX XXXX i wrote to the credit bureaus that i had experience identity theft and that multiple accounts that there reporting where not mine. i sent them a ftc report from the federal government and told them that the accounts below where indeed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX a bankruptcy that i have sent information from the court that they have no information of that knowledge on me. 
i provided and sent them copies of the reports by certified mail and 4 months later they are still reporting inaccurate informationXXXX XXXX info has not been updated since XXXX XXXX XXXX the remarks are not updated as consumer disagreed or its in a disputing process. the account term and months are not correct and the dates terms ND payment extremely incorrect i have contacted and tried to resolve this issue but they will not updated these accounts i am prepared to sue for the damages they have caused my life and family as they depend solely on me FCRA section 607 ( b ) provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable.

The FCRA also requires credit bureaus to block information in a victim 's credit file that they believe resulted from identity theft within four business days of receiving notification. Lenders and debt collectors should also take steps to prevent the information from being provided againThe Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputes about the accuracy or completeness of a consumer 's credit file within 30 days of receiving notice. This reinvestigation must be free of charge and more than a cursory review. The purpose of the reinvestigation is to determine if the information is accurate or incomplete, and then to record the current status of the information or remove it from the file The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to provide and keep consumer credit information accurate, fair, and timely. This includes updating information when a consumer 's circumstances change. If a consumer 's credit report contains inaccurate or incomplete information, the FCRA gives them the right to dispute it.

Whenever a statement of a dispute is filed, unless there is rear sonable grounds to believe that it is frivolous or irrelevant, the consumer reporing agency shall, in any subsequent report containing the informaion in quesion, clearly note that it is disputed by the consumer and provide either the consumers statement...

the reporting agency has broken numerous of my federal laws and i want it rectified this has hindering me for years and i am prepared to due in federal court i have my papers waiting to file.

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