Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or credit bureaus have provided any contracts, signatures, or proof to substantiate these transactions. This constitutes a violation of my consumer rights. The fraudulent account details are as follows : XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1400.00}, Credit Limit : {$1200.00}, High Credit : {$1400.00}, Past Due : {$370.00}, Payment Status : 120 Days Late, Last Reported : XX/XX/XXXX ; Experian, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1400.00}, Credit Limit : {$1200.00}, High Credit : {$1400.00}, Past Due : {$370.00}, Payment Status : 150 Days Late, Last Reported : XX/XX/XXXX ; XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1400.00}, Credit Limit : {$0.00}, High Credit : {$1200.00}, Past Due : {$370.00}, Payment Status : 120 Days Late, Last Reported : XX/XX/XXXX. The open dates for the account vary across credit bureaus, with XXXX reporting XX/XX/XXXX and Experian/XXXX reporting XX/XX/XXXX. This inconsistency violates the accuracy requirements of 15 U.S.C. 1681e ( b ). The credit limit information is inconsistent, as XXXX reports a {$0.00} credit limit, which contradicts the {$1200.00} reported by XXXX and Experian. Payment histories and account comments differ across bureaus, further highlighting inaccuracies and negligence in reporting. The violations in this case are as follows : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g ( Validation of Debts ), which requires timely and adequate validation of debts. Additionally, the discrepancies and inconsistencies in account details, such as open dates and credit limits, further breach these laws. I hereby request the immediate and permanent removal of the fraudulent account from my credit report across all credit bureaus ( TransUnion, Experian, and Equifax ), a comprehensive investigation into the practices of the creditors and credit reporting agencies involved, including verification of all account details ( open dates, credit limits, and payment statuses ), and evidence of any contracts, signatures, or proof that substantiates these accounts, as well as compliance with all provisions of federal law, including but not limited to the FCRA and FDCPA. I also demand written confirmation of the removal and blocking of the fraudulent accounts within the timelines prescribed by federal law. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. The harm caused by these unlawful actionsincluding damage to my creditworthiness, undue stress, and financial lossrequires immediate rectification. I demand a resolution in accordance with federal law and expect a response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

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