Consumer complaint received 2025-01-15 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: MS

Complaint narrative:
Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( 2005-414, s. 1. ) Experian Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } The fraudulent accounts in question are inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect Experian to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial ability. 
The inaccurate accounts are : Account Name : XXXX XXXX XXXX : # XXXX : Balance : {$1200.00} : Opened : XXXX. XXXX, XXXX Account : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$1600.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$780.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$690.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Balance : {$6500.00} : Opened : XXXX XXXX, XXXX Account Name : Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Balance : {$170.00} : Opened : XXXX. XXXX, XXXX Account Name : Account Name : XXXX XXXX XXXX  : Balance : {$270.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX : Balance : {$1500.00} : Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  : Balance : {$1300.00} : Opened : XXXX XXXX, XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have kept meticulous records of all dispute correspondence, including the initial complaints, your responses, and evidence of your failure to conduct proper investigations. Based on the Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned about your failure to meet your obligations under federal law. The inaccuracies in my credit report have already negatively impacted my ability to obtain credit. I demand that Experian : Conduct a comprehensive investigation of the disputed accounts and inquiries. 
Provide verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries.

Permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report.

Failure to comply with the FCRA and other applicable laws may result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additionally, I reserve the right to report Experian 's non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Attorney General of Mississippi. Failure to resolve this matter accurately will leave me with no choice but to explore further legal action to protect my rights and the integrity of my credit report

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