Consumer complaint received 2024-06-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete and Block information immediately or I will move forward in taking legal action against ( Experian ) -- -- In accordance with the FCRA. 15 USC 1681c-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer. ( 2 ) a copy of an identity theft report. ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I disputed this account multiple times. The accounts above are fraudulent and are not my accounts. ( Experian ) -- has multiple FTC reports that are valid and have been provided previously. You have statements from me stating this debt is fraud, and I have sent you the identification of said item ( s ), along with my ID as proof of identification. 15 U.S.C 1681s-1 - RESPONSIBILITY OF FURNISHES OF INFORMATION TO CONSUMER REPORTING AGENCIES. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. You have not deleted or blocked this account within 4 business days of being notified. I have stated I have also been a victim of the 2017 XXXX XXXX XXXX, yet this fictitious account has been reported verified. You guys are in violation of the FCRA, and I will be holding you guys accountable for the multiple adverse action letters I have received resulting from this fraudulent account being reported on my consumer report. PLEASE DELETE AND BLOCK THIS ACCOUNT IMMEDIATELY 1 ) ..., My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer, 2 ) .., I've sent all required documents that's needed to block and delete in 4 business days according to the fair credit reporting act, section 605b. proof of ( identity-a clear copy of my ID ) along with my statement providing specific information that is result of identity theft and a copy of my complete and submitted identity theft report with the federal trade commission . from identitytheft.gov ) 3 ) ..,15 U.S.C 1681s-1 - RESPONSIBILITY OF FURNISHES OF INFORMATION TO CONSUMER REPORTING AGENCIES.

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