Consumer complaint received 2024-08-02 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: NJ

Complaint narrative:
I am writing to file a complaint against the three major credit bureaus - XXXX, Experian, and XXXX - for their failure to guarantee the accuracy and completeness of my credit report, as required by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Federal Trade Commission ( FTC ), and United States Code 15.

According to the FCRA, Section 607 ( b ) ( 1 ), " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Furthermore, the FTC emphasizes the importance of accurate credit reporting and states, " Credit reporting companies must investigate the items in question- usually within 30 days - unless they consider your dispute frivolous. '' The FDCPA also plays a crucial role in protecting consumers from inaccurate credit reporting by prohibiting unfair and deceptive debt collection practices.

Despite these legal obligations, I have discovered multiple inaccuracies and discrepancies in my credit report, which can have severe consequences on my financial well-being. As a consumer, I have the right to ensure that my credit report is correct, exact, and free of all inaccuracies.

I would like to bring your attention to the following disputed items on my credit report : [ Disputed Item XXXX ] : XXXX XXXX XXXX  # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX  XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX  XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX  # XXXX  Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX Identity theft victim. 
[ Disputed Item XXXX ] : XXXX XXXX XXXX # XXXX  Identity theft victim. 

These inaccuracies not only harm my creditworthiness but also hinder my ability to obtain loans, secure housing, and enjoy fair financial opportunities. I have attempted to resolve these issues directly with the credit bureaus, but their responses have been inadequate and unsatisfactory. 
In accordance with the FCRA, FDCPA, FTC, and US Code 15, I request that the CFPB investigate my complaint thoroughly and take necessary actions to ensure that the credit bureaus rectify these inaccuracies promptly. I also request that you inform me of the steps being taken to resolve this matter and provide me with a written response within the legally mandated timeframe.

Thank you for your attention to this matter.

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