Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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I am a victim of fraud and/ or identity theft. Each of the accounts and transactions I disputed were opened and maybe by someone with a similar name as me or pretending to be. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within XXXX XXXX days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B (15 U.S.C. 1681c-2) Block of Information Resulting from Identity Theft (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 a alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 15 U.S.C 1681i (a)(1)(a) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within XXXX  days, beginning on the dispute was received unless the account is determined to be frivolous or irrelevant. FCRA 605B (15 U.S.C 1681c-2) Block of Information Resulting from Identity Theft (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 as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency In accordance with the Fair Credit Reporting act The above Companies has violated my rights. Code 1681- Congressional findings and statements of purpose (a) accuracy and fairness of credit reporting. Congress makes the following findings the bank system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C code 1666 Correction of billing errors 15 U.S.C Section 1681e(b) for a consumer reporting agency (CRA) to "assure maximum possible accuracy" in its credit reports, 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions

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