Consumer complaint received 2024-09-26 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: PA

Complaint narrative:
In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXX XXXX XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX, and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe.

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.

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