Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10360594

Complaint Overview

Complaint ID: 10360594

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Information belongs to someone else

State: Illinois

ZIP Code: 60641

Date Received: 2024-10-05T12:00:00-05:00

Date Sent to Company: 2024-10-05T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing this complaint against Experian for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Experian has failed to remove fraudulent accounts and has re-inserted a previously deleted account, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2. Violations : 1. Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Experian must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent account remains on my report : * XXXX XXXX Account XXXX : XXXX - XXXX : {$1700.00}, Opened : XXXX XXXX. Re-Insertion of Fraudulent Account in Violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Experian has unlawfully re-inserted a previously removed fraudulent account without following the proper certification process or notifying me as required by law : * XXXX XXXX XXXX XXXX Account # : XXXX - Balance : {$800.00}, Opened : XXXX This violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which prohibits the re-insertion of any information into a consumers file unless the reporting agency certifies its accuracy and informs the consumer. I received no such certification or notice, and this fraudulent account has severely damaged my credit. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer ReportsExperian continues to furnish my credit report to third parties, such as Clarity Services , Inc., without my written consent, in violation of 15 U.S. Code 1681b. I did not authorize the reporting of the above fraudulent accounts, and this constitutes identity theft. Reporting these accounts without my written consent is a direct violation of federal law. 4. Failure to Block Fraudulent InquiryExperian has also failed to remove a fraudulent hard inquiry on my report, despite clear evidence of identity theft : * XXXX XXXX XXXX Inquiry dated XX/XX/year> XXXX. Failure to Provide Physical Verification as Required by FCRA Section 609 ( a ) ( 1 ) ( A ) Per FCRA Section 609 ( a ) ( 1 ) ( A ), Experian must provide physical verification of the original signed consumer contract for any account listed on my report. Experian has failed to provide verifiable proof for the above accounts and the inquiry, and as such, they must be deleted immediately.

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