Consumer complaint received 2024-08-07 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: AR

Complaint narrative:
I am writing to formally dispute the reporting of a fraudulent account under the name XXXXXX/XX/XXXXXXXX ) on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX This account was opened as a result of identity theft, without my knowledge or consent. I demand the immediate removal of this account from my credit reports and request a thorough investigation into this matter, as well as appropriate compensation for the damages caused. 

Issue Identified The XXXXXX/XX/XXXX account reporting on my credit reports is not mine. It was fraudulently opened due to identity theft. I did not authorize any transactions or communications with XXXXXX/XX/XXXX, nor did I receive any services or products associated with this account. 

Discrepancies in XXXX XXXX. Experian : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 
XXXX. XXXX and XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). 
Was 90 Days Late XXXX Time ( XXXX ). 

The inconsistencies in the reporting of late payments among the credit bureaus further highlight the inaccuracies and confusion caused by this fraudulent account. 

Violations and Impact The presence of this fraudulent account on my credit reports violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. The inaccurate late payment history and fraudulent account negatively impact my credit score and overall financial standing, potentially leading to denials of credit and other financial services. 

Applicable Laws and Regulations XXXX. 15 USC 1681c-2 - Blocking of Information Resulting from Identity Theft : This provision allows consumers to request the blocking of information resulting from identity theft. I am exercising my right under this law to request the immediate removal of the fraudulent account from my credit reports. 
XXXX. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information, including accounts opened as a result of identity theft. 
XXXX. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this fraudulent account violates this requirement. 
XXXX. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or resulting from identity theft.

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 non-monetary relief