Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$11.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$8500.00} Highest balance {$11000.00} Terms - On record until XX/XX/XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX Court info Court XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Phone number ( XXXX ) XXXX Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XXXX XXXX Court info Court XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Phone number ( XXXX ) XXXX Record details Record type XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
On record until XX/XX/XXXX Court info Court XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX I am writing to demand the immediate deletion of certain accounts from my consumer credit report. These accounts are the result of identity theft, and their continued presence on my credit report violates federal law. 

# # # **1. Violation of 15 U.S. Code 1681c-2** : As per 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft, within four ( 4 ) business days of receiving the consumers request. I reported these accounts as fraudulent more than 30 days ago, and you have failed to comply with this legal requirement. This delay in removing the fraudulent information constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

# # # **2. Violation of 15 U.S. Code 1681b** : Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, including having the written instruction of the consumer to whom it relates. I never provided any written consent for these accounts to be reported on my credit report. Reporting this information without my explicit written consent is not permissible and further violates my rights as a federally protected consumer. 

# # # **Demand for Immediate Action** : I am demanding the immediate deletion of the accounts associated with identity theft from my consumer report. These accounts should not be furnished on my report, as they violate federal law, including 15 U.S. Code 1681c-2 and 1681b. 

Failure to comply with this request will result in further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing civil litigation to enforce my rights under the FCRA.

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