Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As per Experian report I am writing to formally dispute a significant and unexpected change in my credit score. On XX/XX/year>, from Experian official app, ( that I maintain by paying XXXXXXXX XXXX a month ) the alert indicates that fico score increased by XXXX, changing to XXXX. And because of fraudulently updating XXXX XXXX XXXX account number XXXX to XXXX under new account number XXXX which used to be account number but keep on being updated to maintain this fraudulent account - the XXXX score is reported decrease by XXXX to XXXX a day after XXXX does the same fraudulent activity. A lot of similarities by XXXX and experian, Experian current score XXXX reported on XX/XX/year>, XXXX current score XXXX reported on XXXX discrepancies and fraudulent actions in my credit score and report are done appear fraudulent and suggest possible identity theft to maintain unknown XXXX XXXX XXXX XXXX 

Additionally, this significant update coincided with the commencement of my fourth round of disputes with XXXX XXXX XXXX, an entity unknown to me. The timing and nature of these changes severely undermine the accuracy and reliability of my credit report. 

XXXX XXXX XXXX being reported under two separate names, and two separate accounts number interchangeaby : on top The name is boldly written as XXXX XXXX XXXX And immediately under it is named XXXX. How can account be maintained under two names on one reference number XXXX, and whenever disputed changed to a different name and a different account number? This clearly indicates identity theft and maintaining fraudulent reports such as these are hugely violating my consumer rights. 
This was reported on XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title IV, Section 611, Subsection 1-D, I request the following : The names and business addresses of each individual with whom you verified and validated the disputed information.

An updated copy of my credit report after completing your investigation.

Moreover, according to the FCRA, Section 611, Subsection ( 5 ), Treatment of Inaccurate or Unverifiable Information : ( A ) In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of information is found to be inaccurate, 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 updated or deleted.

I expect prompt action on this matter to rectify the inaccuracies and prevent further damage to my credit profile. Failure to address this promptly may compel me to seek further legal remedies to protect my rights.

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