Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and fraudulent accounts reflected on my credit report. The issues involve misreporting, fraud, and violations of federal and state laws regarding my rights as a consumer. Below is a detailed account of the disputes : XXXX : Issue : I paid this account as agreed, and it was not closed properly. It is inaccurately reflecting incorrect information on my credit report. 
Relevant Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation when disputed.

Fair Credit Billing Act, 15 U.S.C. 1666 : Ensures accurate and fair billing practices. 

XXXX XXXX XXXX : XXXX : This third-party debt collection agency has access to my personal information without my written consent. They have failed to provide the original contract to validate their claim, violating my consumer rights. 
Relevant Laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : Requires debt collectors to validate debts and provide original documentation upon request. 
XXXX Article XXXX, Section XXXX : Requires a valid security agreement for third-party creditors to claim an interest in personal information or debt. 

XXXX XXXX Bank XXXX : Issue : I paid this account as agreed, and it should reflect as such on my credit report. Instead, it is incorrectly reported as a charge-off. 
Relevant Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to ensure maximum possible accuracy of credit report information.

Truth in Lending Act ( TILA ), 15 U.S.C. 1637 : Ensures clear and accurate representation of credit obligations. 

XXXX XXXX : Issue : This account was fraudulently opened in my name due to identity theft and should not appear on my credit report. 
Relevant Laws : Identity Theft and Assumption Deterrence Act of 1998, 18 U.S.C. 1028 : Protects against the misuse of personal identifying information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : Requires prompt blocking of fraudulent information when identity theft is reported.

UCC Article 3, Section 3-501 : Ensures creditors can prove the validity of an obligation. 

XXXX XXXX XXXX XXXX XXXX : This account was fraudulently opened in my name due to identity theft and should not appear on my credit report. 
Relevant Laws : Same as XXXX XXXX. 

XXXX Dividend : Issue : This account was fraudulently opened in my name due to identity theft and should not appear on my credit report. 
Relevant Laws : Same as XXXX XXXX. 
Actions Taken by Me : I have disputed these accounts multiple times through the credit reporting agencies and directly with the data furnishers. 
I have submitted identity theft reports and affidavits per the requirements of the FCRA, Identity Theft Act, and FTC guidelines. 
I have requested validation and proof of these accounts under the FDCPA and XXXX laws. 
Impact : These inaccuracies have caused severe harm to my financial reputation, creditworthiness, and personal well-being. Due to these errors, I have experienced : Denial of credit and financial opportunities. 
Emotional distress and financial strain due to the inability to secure fair credit terms.

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 non-monetary relief