Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing inaccurate and fraudulent information appearing on my credit report. As a victim of identity theft, my personal and financial information was compromised due to the Equifax data breach, and unauthorized accounts have been fraudulently placed in my name. Furthermore, my credit card was unlawfully used by XXXX XXXX, resulting in fraudulent charges that I never authorized. 
I am invoking my rights under the following federal laws, which mandate the immediate investigation and removal of erroneous information from my credit file : 1. FCRA Section 611 ( 15 U.S.C. 1681i ) Requires credit bureaus to conduct a reasonable reinvestigation and correct/delete disputed information within 30 days. 
2. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Mandates the blocking of fraudulent information upon receipt of proof of identity theft.

3. 15 U.S.C. 1681i Requires that disputed information must be deleted if it can not be verified as accurate.

4. 15 U.S.C. 1681c-2 Prohibits credit bureaus from reporting fraudulent accounts when a consumer submits an identity theft report. 

Requested Action : Under the FCRA, I am demanding the immediate and permanent deletion of all fraudulent accounts, inquiries, and negative items associated with this identity theft. Additionally, I request that a fraud alert be placed on my file to prevent further misuse of my identity. 
Failure to comply with the FCRAs requirements may result in legal action for non-compliance, including statutory damages, attorney fees, and injunctive relief. I expect written confirmation of the deletion of these fraudulent items within 30 days, per the requirements of federal law. 
Please send written confirmation of the deletions and an updated credit report reflecting these corrections to my address above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and a balance of {$16000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a balance of {$45000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$33000.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Inquiry from XXXX XXXX XXXX XXXX XXXXn XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Thank you for your prompt attention to this matter. 
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 explanation