Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
On Friday XXXX XXXX I received a credit alert from my credit monitoring service that a collection account had been added to my credit report. I immediately logged in and saw that XXXX XXXX had added a collection account in the amount pf {$XXXX} to my credit XXXX and Experian credit reports. I contacted the company and informed them that the account was not mine. The representative told me to contact XXXX. Upon contacting XXXX I was given my actual XXXX account information and was told that I had to submit an identity theft report to have the accounts removed. During the time this account was opened I was still on XXXX XXXX in the United States XXXX and was living in XXXX, XXXX  and could not have obtained this account. Im attaching to this dispute a copy of my military retirement orders as well as my XXXX showing that my actual retirement date was XX/XX/year> and that I retired to XXXX, XXXX XXXX I resided in XXXX, XXXX XXXX I moved to XXXX  in XXXX XXXX.This fraudulent information is causing irreparable damage to my credit file and will affect my ability to obtain credit in the future. Im asking that these accounts be blocked from my credit file until a proper investigation is done to prove the validity of this account in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with consumer protection laws. I have also uploaded a copy of my FTC identity theft report. I sincerely thank you for your prompt attention to this matter. I filed a fraud dispute with Experian who has refused to block this account from my credit file even though XXXX and XXXX did so within XXXX hours of receiving my dispute. I also tried to contact Experian over the phone and their telephonic process makes it impossible to speak with a person. After submitting my dispute electronically through their website I received a response in XXXX hours that the account would remain on my credit report with no explanation. Experian also did not provide me with a signed contract or proof of this account. According to 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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