Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filing this complaint regarding two fraudulent accounts reported by XXXX XXXX XXXX XXXX and included on my credit reports by Experian and XXXX. Despite my repeated attempts to resolve this matter directly with the creditor and credit bureaus, the issue remains unresolved. This negligence constitutes egregious violations of federal and state laws and necessitates enforcement actions by the CFPB. Below are the specific details : Disputed Accounts : Account XXXX XXXX : ** Reported delinquency of {$9100.00}. 

Account XXXX XXXX : ** Reported delinquency of {$7300.00}. 

Actions Taken : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX disputing these accounts, requesting validation, and demanding their removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). No response has been received, even after XXXX months. 

I also communicated with Experian and XXXX, disputing the accounts and requesting investigations. Both credit bureaus failed to resolve or remove these accounts within the legally mandated timeframe of 30 days. 

Fraudulent Inquiries and Incorrect Information : Unauthorized Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and others. 

Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX, which does not belong to me. 

Violations : Experian and XXXX : Failure to ensure maximum possible accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ).

Failure to investigate disputes within 30 days ( FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Failure to provide resources and protections for identity theft victims ( FCRA, 15 U.S.C. 1681g ( e ) ). 

XXXX XXXX XXXX XXXX : Failure to validate debts within 30 days of receiving my certified letter ( FDCPA, 15 U.S.C. 1692g ( b ) ).

Reporting inaccurate and fraudulent accounts ( FCRA, 15 U.S.C. 1681s-2 ).

Additional Legal Violations : Identity Theft Protections Ignored : Under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). 

Violations of the XXXX XXXX ( XXXX XXXX. XXXX ) for failure to safeguard consumer data. 

Violations of Florida state identity theft laws. 

Demands : Immediate Removal and Blockage : Enforce the immediate removal and blockage of the fraudulent accounts and unauthorized inquiries from my credit reports with Experian and XXXX, as required under FCRA, 15 U.S.C. 1681c-2. 

Mandatory Compliance : XXXX XXXX XXXX XXXX XXXX to comply with its obligations under 15 U.S.C. 1681s-2 and provide evidence validating these accounts or face penalties. 

Fraud Alert Implementation : Direct Experian and XXXX to place a fraud alert on my credit report and provide the necessary resources for identity theft victims under FCRA, 15 U.S.C. 1681g ( e ). 

Detailed Investigation : XXXX XXXX XXXX XXXX XXXX to conduct a thorough investigation into how these fraudulent accounts were created and provide a detailed explanation, including identification verification procedures. 

Legal Action : Initiate enforcement actions, including civil penalties, against Experian, XXXX, and XXXX XXXX XXXX XXXX for repeated violations of federal and state laws. Demand restitution for the harm caused to my credit profile and financial stability. 

Written Confirmation : Provide a written response confirming the removal of these accounts and inquiries along with updated credit reports. 

Supporting Documents : Copy of my government-issued ID.

Copy of my Social Security card.

Police reports regarding identity theft.

Proof of address. 

Certified letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 

Credit reports showing the fraudulent accounts and inquiries. 

Summary : This matter has caused significant harm to my credit profile and financial well-being. The negligence of Experian, XXXX, and XXXX XXXX XXXX XXXX in addressing these fraudulent accounts constitutes willful noncompliance with federal and state laws. I respectfully request the Consumer Financial Protection Bureau to enforce these laws, ensure the immediate removal of fraudulent accounts, and pursue legal action against the responsible parties to prevent further harm to consumers. 

Sincerely, 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