Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
So after receiving my updated. Experian, XXXX, XXXX, are stating their information is Verified and Accurate. So I'm confused by the letter I received in the mail saying the same thing on the CFPB complaint website. I don't see any account numbers nor did they upload the Verified information on the CFPB. This is a lie from all three agencies without showing any proof in this letter and on the CFPB website as well. I've made my complaint with the FTC with this fraudulent placement on my credit report with no account numbers. But these agencies confirmed it's accurate but how can you verify accounts with no numbers. So I called each company and was asked my date of birth and Social and was told no account was found and was asked do I have the account number and I said no! So as a consumer I'm exercising my right FCRA this XXXX! XXXX, Experian, XXXX are committing fraudulent reporting and refuse to remove it! you can't report information on my credit report without an account number. Relevant Legislation : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681g ( a ) ( 5 ) : Information on free annual file disclosures FCRA 611 ( 15 U.S.C. 1681i ) : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information 15 U.S.C. 1681n ( A ) ( B ) : Civil liability for willful noncompliance Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reasons for Dispute : Unauthorized Access : As per 15 U.S.C. 1681b ( c ), these entries were not authorized by me and thus should not appear on my credit report.

Identity Theft : According to 18 U.S.C. 1028A, I am a victim of identity theft, and these entries were fraudulently made in my name.

Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion.

Civil Liability for Willful Noncompliance : Under 15 U.S.C. 1681n ( A ) ( B ), willful noncompliance with the FCRA entitles me to seek damages.

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