Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under FCRA Sec 605B ( a ), the consumer reporting agency was notified of my alleged identity theft and has taken longer than 4 business days after the date of receipt to block and delete the affected accounts on my consumer report. I have already provided the following : ( 1 ) appropriate proof of the identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information; and ( 4 ) a statement that the information is not information relating to any transaction by me.

The consumer reporting agency has not fulfilled this obligation and has chosen to decline for one or more of the following reasons under Sec 605B ( c ) : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

I demand a reinvestigation and method of verification to how this agency is coming to this conclusion for any of these reasons mentioned in 605B ( c ) and 609 ( c ) ( 2 ) ( e ) that these affected accounts on my report are 100 % accurate and 100 % verifiable. I have examined my consumer report and see differences in reporting on these accounts across XXXX, XXXX, and Experian. They have either not complied with Sec 605B ( a ), have reinserted deleted information, and/or have questioned my identity even though I have already submitted proper verification documents. I also notice a discrepancy that some affected accounts are stated as " charged off '' however I have never received a 1099-C for any of these accounts reporting debts of over {$600.00}.

I believe this consumer reporting agency is not taking my investigation seriously and is allowing these accounts to stay reporting simply because debt collection companies have written formal statements believing the accounts to be mine. 

I am demanding for investigation of the 100 % accuracy and verification of these accounts. I am not satisfied with debt collection companies, or any furnisher, damaging my consumer report with any information that is not 100 % accurate and verifiable. 

I am demanding these items be deleted as is my right under 611A ( 5 ) ( A ) ( i ) " promptly delete that item of information [ if item is found to be inaccurate or incomplete or can not be verified ] I am also demanding that this be done immediately and not to exceed 30 days from the date of receipt XX/XX/2024. As is my right under Sec A ( 1 ) ( c ) Limitations on extension of period to reinvestigate : " if information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified [ within the initial 30 days after date of receipt ] '' I have stood up late multiple nights reading and learning my rights under the FCRA and pray for my voice to be heard. I am suffering both emotionally and financially as a result of these affected accounts on my report. 

TRACKING NUMBERS USPS : XXXX, XXXX, XXXX

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