Consumer complaint received 2024-05-02 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: TN

Complaint narrative:
This complaint concerns the XXXX XXXX XXXX XXXX, Account number XXXX, for which a new identity theft and fraud report was filed with the FTC, FTC Report # XXXX. The fraud perpetrated was not in an attempt to obtain a new card, as the card and credit were obtained by me ; this account was a victim of fraudulent transactions that occurred while in my name through identity theft. If investigated, XXXX XXXX XXXX XXXX  should have made the CRAs aware that I notified the XXXX XXXX XXXX XXXX XXXX  aware of immediately and gave a full report, including statements of record. I also identified the source of the fraudulent transactions and provided documentation verifying all statements. Under FCRA 605B ( 15 USC 1681c-2 ), as well as Notice To Furnishers Of Information : Obligations Of Furnishers Under The FCRA, I have been denied the blocking and/or deleting of this account from my credit file and an investigation as defined under CFRA beyond simply verifying the credit account was mine. The credit limit on this account was {$750.00}, with an open date of XX/XX/XXXX, and a last payment date of XX/XX/XXXX, with a balance of {$1500.00}, none of which is interest accrued. 
XXXX accounts filed under this new FTC report of identity theft and fraud Report # XXXX, including the XXXX XXXX XXXX XXXX  account number XXXX, were filed prior. The fraud was similarly a result of identity theft, not in an attempt to obtain a new card or credit, as the credit was applied for and obtained by me, but as a victim of fraudulent transactions that occurred during my owning the credit and fraud was committed as a result of identity theft. In all of my identity theft and fraud complaints and reports through both the FTC and the CFPB, the fraud resulting from identity theft was commissioned after the credit was obtained and applied for by me, and the fraudulent actions, transactions, and/or unauthorized activity occurred during my having applied for and received the credit. 
I am requesting the CFPB investigate the CRAs under FCRA regulations and citations that were or are, denied myself and transparent as with this account. The creditor was made aware when I became aware, yet the CRAs are not. The identity theft and fraud report # XXXX also includes the following accounts, all of which had previously been reported and under similar determination as this account. They are : XXXX XXXX XXXX XXXX XXXX XXXX  ( Account number XXXX ) XXXX ) XXXX XXXX  ( Account number XXXX ) XXXX XXXX XXXX XXXX XXXX  ( Account number XXXX ) and ( XXXX ) XXXX ) XXXX XXXX  ( Account number XXXX ) XXXX ) XXXX XXXX  ( XXXX ) Additionally, the following accounts will be filed with the FTC and CFPB under identity theft and fraud, with some under additional cause : XXXX  ( Account number XXXX ) One of several accounts Experian lists as investigated and Meets FCRA Requirements but has been reporting for over a year Discharged through Bankruptcy. Which directly opposes FCRA ; if that were true, the account would be unlawfully on my credit file. Stating this not only causes harm to my credit through negative reporting of the account but further stipulates Discharge through Bankruptcy as an additional negative consequence and speaks to the investigation under FCRA as not credible. This occurs for over three or four accounts on Experian, and the other CRAs should block those accounts immediately. 
XXXX  ( Account number XXXX ) - Investigated and stated Meets FCRA Requirements, again states discharged in Bankruptcy. 
XXXX XXXX ( Account number XXXX ) XXXX  ( Account number XXXX ) XXXX  ( Account number XXXX ) XXXX XXXX ( Account # XXXX ) XXXX  ( Account number XXXX  ) XXXX  ( Account number XXXX  ) All of the above accounts are companies with different names and/or account numbers from one parent company, XXXX XXXX XXXX  XXXX which conflict with each other, running concurrently, reporting much larger accounts positive and small accounts negative. This parent company had over twenty accounts listed on my CRA files, and I still have twelve, none of which, the positive or negative accounts, are validated in the payment history and the origination. Yet XXXX XXXX XXXXXXXX, XXXX, and XXXX still have three negative reported accounts, with concurrent larger accounts positive.

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