Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is not a duplicate request nor filed by a 3rd credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 US Code 1681 c-2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fradulent, inaccurate, and false information consists of personal accounts opened at1.Identity Theft. 
XXXX XXXX XXXX  Account NumberXXXX  Please remove it from my credit report. 
2.Identity Theft. 
XXXX XXXX XXXX Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3.Identity Theft. 
XXXX XXXX Account Number:XXXX  THIS CONTRACT IS CANCELED 4.Identity Theft. 
XXXX XXXX. 
Account Number:XXXX THIS CONTRACT IS CANCELED 5.Identity Theft. 
XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6.Identity Theft. 
XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 7.Identity Theft. 
XXXX XXXX  Account Number : i dont recall having latepayment on this account 8.Identity Theft. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : This is not mine. 
9.Identity Theft. 
XXXX XXXX XXXX  Account Number : Please supply information on how you have verified this item. 
10.Identity Theft. 
XXXX XXXX XXXX  Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 
11.Identity Theft. 
XXXX XXXX XXXX Account Number : Please ensure that all information is accurate 12.Identity Theft. 
XXXXXXXX XXXX Account Number : Please supply information on how you have verified this item. 
13.Identity Theft. 
XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 14.Identity Theft. 
XXXX XXXX Account Number : Please investigate and delete from my credit report. 
15.Identity Theft. 
XXXX XXXX XXXX XXXX Account Number : This is not mine. 
16.Identity Theft. 
XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 
17.Identity Theft. 
XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports These accounts appear to be realated in this dispute. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, and or hard inquiries as reported. The mention accounts, collections and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the mention accounts collections and or hard inquiries are the result of identity fraud. I have attached a copy of FTC identity theft criminal complaint as a result of identity theft and fraud

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