Consumer complaint received 2024-12-13 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 writing to file an urgent and formal complaint regarding fraudulent accounts and inquiries that have appeared on my credit report, in violation of multiple federal laws. I am a victim of identity theft, and unknown individuals have unlawfully opened accounts and initiated inquiries in my name without my consent. Despite my repeated attempts to resolve this matter, neither the creditors nor the credit reporting agencies ( CRAs ) have provided adequate documentation to validate these transactions. Furthermore, these accounts were initially removed but later re-reported after two months without proper notification, constituting additional legal violations. 

Details of the Fraudulent Accounts and Inquiries The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, these fraudulent accounts and inquiries have discrepancies across different credit reporting bureaus, including : Different open dates listed for the same accounts. 

Different account numbers assigned to the same accounts. 

Other inconsistent details such as balance amounts and account statuses. 

These discrepancies further demonstrate that the information being reported is unreliable and can not be validated. 

Violations of Federal Law Failure to Provide Validation of Debts ( 15 U.S.C. 1692g ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation of a debt within five days of initial communication. Neither the creditors nor the CRAs have provided contracts, signatures, or any substantiating proof to validate the alleged debts, despite my repeated requests.

Failure to Notify of Re-Reporting ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must notify consumers in writing within five business days if previously deleted information is reinserted into their credit file. These accounts were reinstated without any such notification, violating my rights under this statute.

Reporting of Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) Furnishers of credit information are prohibited from reporting information that they know or should know is inaccurate. Inconsistent reporting dates and other discrepancies across different CRAs further indicate that the information is erroneous and unsubstantiated.

Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) I have disputed these fraudulent accounts and inquiries, yet the CRAs have failed to conduct a reasonable reinvestigation as required under the FCRA.

Negligence and Willful Noncompliance ( 15 U.S.C. 1681n and 1681o ) The continued reporting of fraudulent accounts and inquiries demonstrates both negligence and willful noncompliance with federal law. These actions have caused significant harm, including financial and reputational damage.

Blocking Requirements Under Identity Theft Rules ( 15 U.S.C. 1681c-2 ) CRAs are required to block fraudulent information resulting from identity theft upon receipt of proper notification and documentation. The failure to permanently block these accounts is a violation of this statute. 

Harm and Damages The illegal actions described above have caused substantial harm, including : Damage to my credit score Denial of credit opportunities Emotional distress and undue burden in attempting to resolve these issues Resolution Demanded I respectfully demand the following immediate actions : The removal of all fraudulent accounts and inquiries listed above from my credit report. 

Blocking of the fraudulent accounts and inquiries to prevent any future reporting, as required under 15 U.S.C. 1681c-2 ( Identity Theft Prevention and Blocking of Information ).

A written statement from all involved parties confirming the permanent deletion of these items.

An investigation into the failures of the CRAs and creditors to comply with federal laws.

Compensation for damages resulting from their negligence and noncompliance.

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