Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
I give Experian XXXX, and XXXX permission to proceed with this complaint. I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed. I stated and provided ID theft report and police report that it did not belong to me. Experian, XXXX and XXXX also has identity information to prove my identity on record as well. Experian XXXX, and XXXX continues to report inaccurate and fraudulent information in my credit profile. Experian XXXX and XXXX has failed to throughly investigate these inaccurate and fraudulent accounts. I have battled for years now with them. 
15USC 1681i ( a ) 6 ( B ) 3, 15USC 1681i ( a ) XXXX ( B ) XXXX BANK Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} FIRST PREMIER Account number XXXX XXXX XXXX Account number XXXX {$1400.00} SPS ( Select Portfolio ) Account number XXXX {$380000.00} AFFIRM Account number XXXX {$1100.00} and XXXX {$0.00} CAPITAL XXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3200.00} XXXX XXXX {$1900.00} XXXX  account XXXX unknown {$1700.00} This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior XXXX from your company certify under the penalty of perjury that I received goods or services. 

A credit reporting agency must follow reasonable procedures every time it prepares a credit report to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ).

Not only are the credit agencies required to create reasonable procedures to ensure that information on credit reports is accurate, furnishers must also create reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a credit agency. 12 C.F.R. 1022.42.15 U.S.C. 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX

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