Consumer complaint received 2024-12-28 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: MI

Complaint narrative:
This complaint addresses XXXX repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and their use of deceptive tactics in responding to disputes regarding identity theft. Despite submitting a valid FTC Identity Theft Report, police report, and proof of identity, XXXX has : I spoke with an agent from XXXX on XX/XX/XXXX who said that will not block anything, then transfer me to an supervisor Named XXXX who gave me case XXXX who Refused to Block Fraudulent Accounts : XXXX has failed to block or remove fraudulent accounts, including those from XXXX XXXX and XXXX XXXX, as mandated by FCRA 605B. These accounts are the result of identity theft and continue to harm my creditworthiness. 

Dismissed Valid FTC Identity Theft Report : XXXX has labeled my FTC Identity Theft Report as " not valid '' without providing any explanation or documentation supporting this decision. When asked why it was invalid, XXXX representative stated, " I cant tell you ; its internal. '' This lack of transparency violates consumer rights and undermines the dispute resolution process. 

Failed to Update Contact Information : I requested an update to my phone number and the removal of outdated or incorrect numbers associated with my file. XXXX has failed to act on this request. 

Deceptive Practices : XXXX tactics of denying valid identity theft documentation and refusing to provide clear explanations for their decisions are obstructive and deceptive, causing undue stress and financial harm. 

Continued Reporting of Fraudulent Information : Despite clear evidence of identity theft, XXXX continues to report inaccurate and harmful information, including unauthorized inquiries and accounts. 

Applicable U.S. Laws and Codes FCRA 605B : Requires credit reporting agencies to block fraudulent information resulting from identity theft when provided with valid documentation.

FCRA 611 : Mandates a reasonable investigation of disputes and correction or deletion of unverifiable information.

15 U.S.C. 1681e ( b ) : Obligates credit reporting agencies to ensure maximum possible accuracy of the information reported.

FCRA 604 ( c ) : Prohibits use or sharing of consumer reports without permissible purpose.

15 U.S.C. 1692d-f ( FDCPA ) : Prohibits unfair or deceptive practices in debt collection.

Harm Caused : Denial of credit opportunities.

Lowered credit score.

Emotional distress caused by prolonged disputes.

Financial harm resulting from the presence of fraudulent accounts and inquiries.

Resolution Sought : Immediate Removal of Fraudulent Accounts : Block and remove all fraudulent items, including : XXXX XXXX account XXXX XXXX account XXXX XXXX Account Update Contact Information : Correct my phone number and remove any numbers not associated with me. 

Transparency : Provide a detailed explanation of why my FTC Identity Theft Report was rejected and the internal process used to make this determination. 

Monetary Compensation : I request compensation of {$10000.00} to cover the financial and emotional harm caused by XXXX actions and non-compliance. 

Full Compliance with FCRA : Ensure all future disputes and identity theft claims are handled in compliance with FCRA 605B and FCRA 611.

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