Consumer complaint received 2024-12-24 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence and dispute regarding the fraudulent XXXX account ( Account Number : XXXX ) that was removed from my credit report in XX/XX/year>. To my dismay, this account has been reinserted as of XX/XX/year>, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), codified as 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Emphasis on Verification of Information and Rights Under FCRA To further emphasize my rights and the Credit Report Agenciess obligations, I would like to highlight the following FCRA provisions regarding the verification process and consumer rights : 1. Section 611 ( a ) ( 6 ) - Notice of Results of Reinvestigation Under this section, after completing an investigation, the CRAs is required to provide the results to the consumer within 30 days. Additionally, you must provide a description of the procedure used to determine the accuracy and completeness of the information, including the business contact information of the furnisher of the disputed data. 2. Section 611 ( a ) ( 7 ) - Provision of Information upon Request Upon my request, CRAs must furnish a description of the procedure used to reinvestigate the disputed item, including any contact information of the furnisher of the disputed information and the method used during the investigation. 3. Section 611 ( b ) - Reinvestigations CRAs are mandated to conduct a reasonable reinvestigation of disputed information. I am formally requesting the details of this reinvestigation process, including the methodology used to verify the reinserted information. 4. Section 609 ( a ) ( 2 ) - Disclosures to Consumers This section obligates CRAs to disclose to consumers all information in their file, including data used to verify or reinvestigate any disputed items. My Rights as a Consumer Right to Receive Investigation Methods : I am requesting a detailed description of the methods and procedures used during the investigation of this dispute. Right to Contact Information : Please provide the contact details of the furnisher of the reinserted information. Right to Timely Responses : The investigation must be completed within a 30-day period, and I must be promptly notified of the results, as per FCRA requirements. Action Required Given the above, I am demanding the immediate removal and permanent blocking of the
fraudulent XXXX account from my credit report. I also request that Experian provide the following : 1. Written confirmation of the reinvestigation results and a description of the procedure used.

2. The contact details of the furnisher of the disputed account.

3. A copy of all information, as mandated by Section 609 ( a ) ( 2 ), that was used in the verification and reinsertion of this item.

Failure to comply with these requirements is a violation of the FCRA and may prompt me to pursue further action.

Enclosed for your reference are copies of my previous dispute letter, the FTC Identity Theft Report ( # XXXX ), two notarized Affidavit of Identity, Police Report with case number XXXX, Copies of CFPD complaints and proof of XXXX prior removal of the same fraudulent account. Proof of Identity and Address Personal remarks : The very nature and definition of Identity Theft means that a criminal would have all the information to present themselves as the actual person whom identity they stole. So quite naturally the entity with whom the fraudulent account was open would have verifiable information. AND BEING THAT XXXX SO CONVENIENTLY AND NEGLIGENTLY MISHANDLED THE INFORMATION OF MILLIONS OF PEOPLE, IT WAS EASY FOR ANY CRIMINAL TO USE MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS!!

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