Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
Experian has NOT followed any of the FCRA laws, but declined to follow the law as I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries that has occurred as a result to Identify theft within 4 business days of receiving complaint. Experian also failed to provide Maximum accuracy on my Experian Credit report. Experian is in Violation of FCRA 605B ( 15 U.S.C. 1681C-2 ) and U.S.C. 1681EB.

Experian also failed to provide a proper investigation and failed to contact the Fair Trade Commission regarding my Identity theft report. Contacting a debtor isnt a valid way to determine Identity theft. I am a victim of of 50 data breaches with all of my personal information exposed including my name, social security number, phone numbers, addresses, emails, and date of birth.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX - open on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX  - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX Bank - open on XXXX XXXX, XXXX under the account number - XXXX, XXXXXXXX XXXX  - Open on XX/XX/XXXX, under the account number XXXX, XXXX XXXX XXXX - XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX - XXXX on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX  - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX - open on XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraudulent accounts that were made with my full name, social security number, date of birth emails, phone numbers, addresses. My information has been found in multiple data breaches. I am a victim of Identity theft and This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

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