Consumer complaint received 2024-09-27 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: MD

Complaint narrative:
I am writing to express my deep frustration and formal complaint regarding the utter disregard shown by XXXX, Experian, and XXXX in addressing the fraudulent and erroneous accounts that have appeared on my credit reports. I have sent three formal letters of dispute to all three credit bureaus over the past 120 days, beginning on XX/XX/year>. Despite my continued efforts to resolve this issue, I have received absolutely no response, a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

The FCRA mandates that credit reporting agencies ( CRAs ) must investigate disputed items within 30 to 45 days of receiving a consumers notice of dispute. Their continued silence is not only unacceptable but illegal. According to the law, if these agencies fail to respond within this statutory period, they are required to delete the disputed information from my credit reports. Yet, these inaccurate and fraudulent accounts remain on my reports, and the bureaus refusal to comply is directly damaging my financial well-being and creditworthiness.

I am furious that these institutions, entrusted with safeguarding consumer data, have ignored their obligations and failed to take action on accounts that are clearly fraudulent. I have never applied for or held any of the accounts listed below, and they have been illegally placed on my credit reports. Their continued presence is causing severe harm to my credit score, jeopardizing my ability to secure loans and damaging my financial reputation. 

I am now demanding that the CFPB take immediate and decisive action against XXXX, Experian, and XXXX for their blatant violations of the FCRA. They must be held accountable for failing to investigate and correct these false entries on my credit report. If they can not meet the legal obligations required of them, these fraudulent accounts must be permanently removed. 

The following are the fraudulent accounts on my reports : XXXX Accounts : 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  Experian Accounts 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law is clear : I am entitled to a fair and timely investigation of these disputes, and these credit bureaus have not fulfilled their duty. The gravity of this situation can not be overstated, and I expect the CFPB to take immediate steps to rectify this matter. Their failure to act not only constitutes a violation of federal law but also reflects gross negligence in protecting consumers from identity theft and fraudulent reporting.

I trust the CFPB will act swiftly to enforce compliance, demand immediate removal of these fraudulent accounts, and ensure that this type of inaction does not continue. I look forward to your prompt response and decisive action to resolve this egregious situation.

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