Consumer complaint received 2025-01-24 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:
This is a formal and urgent request for enforcement and intervention regarding multiple violations of federal law and gross mishandling of fraudulent accounts reported in my name. Despite my previous complaint and good-faith efforts to resolve these matters, XXXX and other reporting agencies continue to neglect their obligations under the law. These violations have caused severe damage to my creditworthiness, financial stability, and emotional well-being.

I am a documented victim of identity theft. Unknown individuals have unlawfully opened accounts in my name without my consent. Despite my repeated demands, none of the creditors or credit reporting agencies have provided legally required contracts, signatures, or proof substantiating these fraudulent transactions. The following accounts are fraudulent and must be permanently removed and blocked from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Addresses and Name Variations XXXX Addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Name Variation : XXXX XXXX XXXX Violations : The actions ( and inactions ) of the credit bureaus and creditors violate multiple federal and state laws. Below are the specific violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum accuracy in credit reporting.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper and timely reinvestigation upon my disputes.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibition of reporting information known to be inaccurate.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g : Failure to provide adequate validation of debts within the required timeframe. Specifically, these accounts were re-reported without proper notification, violating the five-day notification requirement for re-reporting per FDCPA.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Criminalization of unauthorized use of my personal information for fraudulent purposes.

FACTA ( Fair and Accurate Credit Transactions Act ) : Failure to honor fraud alerts and other consumer protections afforded to identity theft victims.

Florida Statute 817.568 : Addressing identity theft-related offenses, which clearly apply to this matter given the fraudulent use of my personal identifying information.

Key Issues : These accounts were initially removed from my credit file but were re-reported without proper notification, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Discrepancies in open dates, amounts owed, and account details violate the FCRAs accuracy requirements.

Creditors and reporting agencies have failed to produce legally sufficient evidence ( e.g., signed contracts, original agreements ) to substantiate these debts.

Requested Relief : Given the egregious nature of these violations, I am demanding the following immediate corrective actions : Immediate Removal and Permanent Blocking : All fraudulent accounts listed above must be immediately and permanently removed and blocked from my credit report under 15 U.S.C. 1681c-2 ( protection for identity theft victims ).

Written Confirmation : I demand written confirmation of the removal and blocking of these accounts, along with the results of your investigation, within the timelines prescribed by federal law.

Full Compliance : Enforce compliance with 15 U.S.C. 1681s-2 ( b ) to ensure that the data furnishers conduct proper investigations and refrain from reporting inaccurate information.

Accountability for Violations : Hold the creditors and credit bureaus accountable for their violations of federal and state law, including penalties and damages as permitted by law.

Enhanced Oversight : Investigate the practices of the creditors and credit reporting agencies involved in this matter to ensure future compliance and prevent harm to other consumers. 

This matter is urgent, and I expect the CFPB to exercise its full enforcement authority to address these violations and protect my consumer rights. 

Thank you for your immediate attention. I look forward to your prompt response. 

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