Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Request to Reinvestigate & Delete Accounts Re : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, NJ XXXX Legal Department, This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


They are being listed as follows : CREDITORS ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 


COLLECTION AGENCIES ACCOUNT NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, it has also been discovered that these XXXX  LOAN ACCOUNTS were also being listed within my credit file. The fact is that these XXXX Loan Accounts are not mine. I did not open these accounts and did not even seek a XXXX XXXX XXXX XXXX XXXX. So, these accounts do not belong to me. 

XXXX  LOAN CREDITORS ACCOUNT NUMBERS XXXX XXXX XXXX XXXX Policy States According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information Reinvestigation Required In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at an agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate information within my credit file. The fact that these are inaccurate account information means that you, this credit reporting agency, are reporting incorrect accounts.

Finally, you are reporting INQUIRES that are the result of the same type of fraudulent activities. I must note that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without deleting the fraudulent inquiries.

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are a result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 

CREDITOR INQUIRIES DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these account and/or items do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c Block of information resulting from identity theft.

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 four ( 4 ) business days after the date of receipt by such agency of Appropriate proof of identity of the consumer ; A copy of an identity theft report The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer.

I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquires be permanently blocked and deleted.

Sincerely, ) Enclosures : Identity Theft Dispute Proof of identity Copy of Account Statements showing Fraudulent Items

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