Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my frustration and disappointment with your handling of my identity theft case. Despite my repeated efforts to resolve this issue, your response has been inadequate, and the fraudulent items remain on my credit report, severely impacting my creditworthiness and financial well-being. 
I have identified several fraudulent accounts on my credit report that result from identity theft. These accounts should be removed immediately. 
The details of these accounts are as follows : 1. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$7900.00} - Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/year>. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 2. XXXX XXXX  - Account Number : XXXX - Balance : {$4500.00} - Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 3. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$35000.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff 4. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$93.00} - Status : Account charged off. 
- Remarks : **CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER** - Payment Status : Collection/Chargeoff These accounts were supposed to be removed as they were a result of identity theft. Your failure to update my credit report as required by the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights. The FCRA mandates that such information be blocked within four business days upon receipt of appropriate documentation, which I have already provided. 
Enclosed are the following : 1. A copy of my credit report with the fraudulent items circled. 
2. A copy of my Identity Theft Report and proof of my identity. 
3. A copy of section 605B of the FCRA, which requires the blocking of fraudulent information resulting from identity theft within four business days and prompt notification to the furnisher ( XXXX ) of that information. 
4. A copy of my latest bank statement. 
I demand that these fraudulent accounts be blocked and removed from my credit report within 24 hours. If these accounts can not be deleted immediately, I request that the remarks be updated to reflect " CONSUMER DISPUTES- REPORTED AS FRAUD BY CONSUMER. '' Your negligence in handling this matter is causing significant harm to my financial standing, and I am prepared to take further action if necessary to protect my rights. 
Please confirm in writing that the information has been blocked and provide me with an updated credit report. 
Sincerely, 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 non-monetary relief