Consumer complaint received 2025-01-25 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
am writing to file a formal complaint against XXXX for engaging in unfair and deceptive practices that violate the Fair Credit Reporting Act ( FCRA ), including laws related to identity theft and the re-insertion of fraudulent information. XXXX actions have caused significant harm to my financial well-being, severely impacting my ability to obtain credit, housing, and employment. 
XXXX. Re-insertion of Fraudulent Accounts Due to Identity Theft XXXX has repeatedly reinserted fraudulent accounts on my credit report that were the result of identity theft. These accounts were previously deleted after I disputed their accuracy and provided sufficient documentation proving that I was not responsible for the fraudulent activity. Despite this, XXXX has placed these fraudulent accounts back onto my credit report without proper verification or documentation, in violation of my rights under the FCRA and identity theft protections. 
Under the FCRA, Section 605B specifically addresses fraudulent information resulting from identity theft. This section mandates that any information reported on a credit report that has been identified as fraudulent due to identity theft must be blocked upon receipt of a consumer 's identity theft report. Despite this, XXXX has failed to block fraudulent accounts tied to identity theft and has reinserted them into my report, causing me substantial harm. 
XXXX. Failure to Delete Inaccurate and Incomplete Information In addition to the re-insertion of fraudulent accounts, XXXX has failed to properly delete inaccurate and incomplete information and addresses from my credit report. This includes information that has been proven to be erroneous through prior disputes and investigations. As a result, inaccurate data remains on my credit file, violating XXXX 's obligations under the FCRA to ensure that the information is accurate, complete, and up-to-date. 
XXXX. Damaging My Credit and Livelihood As a direct result of these actions, my credit report has been severely damaged, making it incredibly difficult for me to obtain credit, secure housing, or even find stable employment. The inaccurate and incomplete information on my credit report has caused financial distress and has significantly hindered my ability to maintain stable living and employment conditions. These actions by XXXX are causing ongoing damage to my livelihood, which has already been affected by identity theft. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Experians actions are in clear violation of several key provisions of the Fair Credit Reporting Act ( FCRA ), including the following : Section XXXX : Procedures in case of disputed information XXXX has failed to follow proper procedures for investigating and correcting disputed information, especially regarding fraudulent accounts that were previously removed. 


Section 609 : Right to request all information in your file XXXX has not provided accurate or complete information regarding these fraudulent accounts when requested, which is required by law. 


Section 623 : Responsibilities of furnishers of information XXXX has failed to ensure that the information it reports is accurate, complete, or up-to-date, and has reinserted accounts without verifying the fraudulent nature of the accounts. 


Section 605B : Fraudulent information resulting from identity theft According to this section, any information that results from identity theft must be blocked from a consumers credit report upon request. XXXX has failed to follow this procedure and has allowed fraudulent accounts to remain on my report despite evidence of identity theft. from consumer reports The re-insertion of these fraudulent accounts that were deleted due to inaccuracies and identity theft is a violation of the FCRAs requirement for the exclusion of such information from consumer credit reports.

Company response to consumer: Untimely response