Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) Account Numbers : [ List disputed account numbers ] This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation.

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response.

3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision.

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account.

2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ).

Additional Actions I Will Take : Should you fail to comply with the FCRA or provide the requested information within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ), I will take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Report your non-compliance to the Federal Trade Commission ( FTC ) and my states Attorney General. 
3. Pursue legal action against [ Credit Bureau Name ] for willful or negligent non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which entitles me to actual damages, punitive damages, court costs, and attorneys fees.

Enclosed are copies of my supporting documentation, including : A notarized FTC Identity Theft Report A copy of my government-issued ID This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants.

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.

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