Consumer complaint received 2025-01-15 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: NC

Complaint narrative:
Identity Theft Victim : 75-60. Title. This Article shall be known and may be cited as the Identity Theft Protection Act. ( 2005-414, s. 1. ) Violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Experian to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial ability. The inaccurate accounts are : 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 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 XXXX XXXX Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. I want to make it clear that I have never given permission for Experian or any associated entities to report or share any personal information about me. Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6801-6802, I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, either electronically or in writing. The GLBA requires that financial institutions protect the privacy of consumers personal information and only disclose it under specific circumstances known as permissible purposes. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. 
Key FCRA Provisions Violated : Failure to Conduct a Reasonable Investigation ( 611 of the FCRA ) : Experian is required to investigate disputes about inaccurate or incomplete information on a credit report. The investigation must be reasonable and completed within 30 days. Failure to meet this standard is a violation. Violation of the Duty to Correct or Delete Inaccurate Information ( 611 ( a ) ( 5 ) ) : If an investigation reveals inaccuracies, Experian must correct or delete the disputed item promptly. Failure to do so constitutes noncompliance. Failure to Notify Data Furnishers ( 611 ( a ) ( 2 ) ) : When a consumer disputes an item, the credit bureau must notify the furnisher of the information ( e.g., a lender ) within five business days. Willful or Negligent Noncompliance ( 616 and 617 ) : Experian can be held accountable for damages caused by willful or negligent violations.

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