Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX XXXX XXXX XXXX : Formal Dispute of Account XXXX Identity Theft and Violations of the Fair Credit Reporting Act Dear XXXX XXXX  XXXX XXXX, This letter constitutes a formal dispute of your XX/XX/XXXX, response regarding account XXXX and my claim of identity theft. Your response is wholly inadequate and demonstrates a willful disregard for federal law and my consumer rights. Your reliance on superficial factors like my email address, phone number, and XXXX completion as proof of authorization ignores the overwhelming evidence of identity theft. 

The XXXX Police Department report ( Incident Number : XXXX ) and the FTC Identity Theft Report ( Report Number : XXXX ) irrefutably establish that this account was opened fraudulently without my knowledge or consent. The police report specifically details the account 's fraudulent opening on XX/XX/XXXX, noting a balance of {$320.00} and a status of 120 days past due as of XX/XX/XXXX. The FTC report lists this account among several others opened using my stolen personal information. 

Your assertion that the account was " validated '' despite this irrefutable evidence of identity theft is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ). This section explicitly prohibits reporting fraudulent information to Credit Reporting Agencies ( CRAs ) after receiving notification of identity theft and supporting documentation. Your actions also violate 15 U.S. Code 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation and 15 U.S. Code 1681i by furnishing inaccurate information to CRAs.

Your dismissive response, including the assertion of " improper purpose '' in my continued communication, is unacceptable. Your repeated assertion of account validity, despite clear and overwhelming evidence to the contrary, constitutes a failure to comply with FCRA requirements for accurate and fair reporting. This inaccurate information on my credit report has caused me significant financial harm, The inaccurate information has resulted in a denial of a {$20000.00} auto loan, costing me the opportunity to purchase a new vehicle and causing an estimated {$500.00} in additional monthly transportation costs. '' " The inaccurate reporting caused my credit score to drop by XXXX points, resulting in an increase of 29 % in interest rates on my existing credit card, amounting to an additional XXXX XXXX  in interest charges over the next 12 months. '' including difficulty obtaining a loan, higher interest rates, etc. ]. 

I demand the immediate removal of account XXXX from my Experian credit report. XXXX and XXXX have already removed this fraudulent account following my submission of the FTC Identity Theft Report ( Report Number : XXXX ) and the XXXX Police Department report ( Incident Number : XXXX ). I have provided Experian with identical documentation on four separate occasions, yet they persist in reporting this fraudulent account. This continued reporting, after both XXXX and Experian received clear evidence of identity theft, constitutes a blatant violation of 15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ), which specifically prohibits furnishing fraudulent information to CRAs after receiving proper notification. Your actions also violate 15 U.S. Code 1681s-2 ( b ) by failing to conduct a reasonable reinvestigation and 15 U.S. Code 1681i by furnishing inaccurate information to CRAs. This willful disregard for the law and my consumer rights has caused me significant financial harm, including [ quantify the harm, e.g., difficulty obtaining a loan, higher interest rates, etc. ]. Failure to immediately remove this fraudulent account from my Experian report will leave me no choice but to pursue legal action, including filing a lawsuit under the FCRA seeking statutory damages, actual damages for the financial harm I've suffered, and attorney 's fees. I am prepared to seek the maximum penalties allowed by law for your willful violation of my rights. I expect a response within 15 days outlining the steps you will take to rectify this 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