Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
I looked at my credit report nearly a year ago, I disputed notified them of Identity theft, and more many of the accounts affecting my ability to survive, nothing was done. I sent my initial dispute XX/XX/2023. I followed up XX/XX/2023. I received the results and through their response, I knew my response was not adequately actioned or read for that matter. 
According to 15 USC 1681e ( b ) ACCURACY OF REPORT- whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Since then, In accordance with the Fair Credit Reporting Act my rights are being violated in the following ways : 1 ) I am a victim of identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you MUST block the accounts listed on the attached sheet within 4 days. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. My request to block is not being made in error b. There are no misrepresentation of facts relating to Block Request c. I have not obtained nor possess any goods, services, or money from the transactions. 
2 ) Additionally, The List of accounts below FURTHER VIOLATE my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect, and OTHER Bureau deleted after researching.

a. According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX ) According to this law they are supposed to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

4 ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. XXXX XXXX : Please update account to Never Late on time.

i. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

ii. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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