Consumer complaint received 2024-12-15 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: CT

Complaint narrative:
This complaint is filed against Experian, XXXX, and XXXX for multiple violations of federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws. Despite formally disputing 15 fraudulent accounts and unauthorized credit inquiries on my credit report, Experian, XXXX, and XXXX has failed to act in accordance with their legal obligations. My initial dispute letter included detailed documentation of identity theft and requested the removal and blockage of the fraudulent accounts. As of today, Experian, XXXX, and XXXX has failed to resolve my disputes within the legally mandated timeframes or provide sufficient remedies for their violations. 

The following fraudulent accounts and inquiries remain unresolved and continue to cause harm to my credit profile : Fraudulent Accounts : XXXX ( Account Number : XXXX ) XXXX  ( Original Creditor : XXXX XXXX  ) ( Account Number : XXXX ) DPT EDXXXX ( Account Number : XXXX ) DPT EDXXXX ( Account Number : XXXX ) DPT EDXXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : Not Provided ) XXXX XXXX XXXX ( Account Number : Not Provided ) XXXX XXXX XXXX XXXX ( Account Number : Not Provided ) Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations Committed by Experian XXXX XXXX XXXX and XXXX : Failure to Investigate Disputes ( 15 U.S.C. 1681i ( a ) ) : Experian, XXXX, and XXXX failed to conduct a proper investigation of my disputes within the required 30-day period after receiving notice, in direct violation of FCRA 1681i ( a ).

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : My credit report continues to contain inaccuracies, including discrepancies in balances, open dates, and payment histories across bureaus, in violation of FCRA 1681e ( b ).

Failure to Block Fraudulent Information After Notice of Identity Theft ( 15 U.S.C. 1681c-2 ) : Despite being provided with sufficient evidence of identity theft, including police reports and FTC identity theft affidavits, Experian, XXXX, and XXXX has failed to block the fraudulent accounts and inquiries.

Failure to Provide Timely Written Results of Investigations ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Experian, XXXX, and XXXX did not provide written notice of the results of their investigations within the required 30 days. 

Failure to Provide Consumer Resources for Victims of Identity Theft ( 15 U.S.C. 1681g ( e ) ) : Experian, XXXX, and XXXX neglected to implement fraud alerts or offer guidance and support for identity theft victims, in violation of FTC regulations. 

Failure to Notify of Debt Validation as Required ( 15 U.S.C. 1692g ) : Creditors failed to provide debt validation within five days of reporting fraudulent accounts, which Experian, XXXX, and XXXX has continued to report. 

Failure to Reinvestigate Disputes ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Despite providing additional documentation to challenge the resolution of prior disputes, Experian, XXXX, and XXXX has failed to conduct a reinvestigation. 

Violations of Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Experian, XXXX, and XXXX failed to safeguard my personal information, as evidenced by the fraudulent accounts and inquiries. 

Relief Requested : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to hold Experian, XXXX, and XXXX accountable for their repeated violations of federal law. Specifically, I demand the following remedies : Immediate removal and permanent blockage of all fraudulent accounts and unauthorized credit inquiries listed above. 

Written confirmation from Experian, XXXX, and XXXX regarding the removal of fraudulent entries and the provision of updated, corrected copies of my credit report. 

Implementation of fraud alerts on my credit file for additional protection against future identity theft. 

An investigation into how my personal information was compromised and how these accounts were permitted to appear on my credit report. 

Compensation for damages resulting from negligence and noncompliance with federal law, including but not limited to damage to my creditworthiness and emotional distress. 

Issuance of penalties and corrective measures against Experian, XXXX, and XXXX to ensure compliance with federal regulations. 

Supporting Documentation : Enclosed with this complaint, I have provided the following : Copies of my original dispute letters sent to Experian, XXXX, and XXXX. 

Copies of police reports and FTC identity theft affidavits. 

A copy of my government-issued ID and proof of address. 

Documentation of all correspondence with Experian, XXXX, and XXXX. 

Conclusion : Experian, XXXX, and XXXX 's failure to comply with federal law and address my disputes in a timely and lawful manner demonstrates willful neglect and reckless disregard for their responsibilities under the FCRA. I request that the CFPB take decisive action to ensure accountability and provide remedies for the harm caused by their noncompliance. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me should you require further details or documentation. 

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