Consumer complaint received 2025-01-11 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: MI

Complaint narrative:
I am writing to formally dispute multiple fraudulent and inaccurate accounts currently reported in my credit file. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccuracies in my credit report. Additionally, creditors are required to notify consumers of debt validation within five days of reporting such accounts. This was not done, which constitutes a clear violation of federal law.

Violations Across All Bureaus : Failure to Notify : Creditors must provide written notification of debts within five days, as required under 15 U.S.C. 1692g. This was not provided, making these accounts illegitimate.

Failure to Ensure Accuracy : Under FCRA 607 ( b ), credit bureaus must ensure maximum accuracy in their reporting. Discrepancies in balances, high credit limits, open dates, and payment histories across bureaus indicate noncompliance. 

Failure to Investigate : Under FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. My disputes remain unresolved despite exceeding the legally mandated timeline.

Failure to Reinvestigate : FCRA 611 ( a ) ( 6 ) requires credit bureaus to reinvestigate if a consumer disputes the resolution of a claim. My disputes were not adequately addressed.

Failure to Protect Personal Information : The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) requires financial institutions and credit bureaus to safeguard consumer data. This appears to have been compromised. 

Identity Theft Protections Ignored : The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) criminalizes identity theft. These fraudulent accounts violate federal protections against identity theft.

Failure to Provide Resources for Identity Theft Victims : Under FTC guidelines ( 15 U.S.C. 1681g ( e ) ), credit bureaus must provide victims of identity theft with resources and support, including fraud alerts. These steps were not implemented.

State Law Violations : Under Michigan Compiled Laws 445.65 to 445.67, identity theft is addressed as a criminal offense. These fraudulent accounts violate state law protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Fraudulent charges with inconsistencies in account details, open dates, and balances across bureaus. 

Laws Violated : 15 U.S.C. 1681, FCRA 607 ( b ), 611 ( a ). 
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iam an XXXX lady and i never check my credit report please remove these fraudulent illegal accounts and they are incorrect also full of violations and the banks are not responding to me i requested docs more than a month ago

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