Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10660565
Complaint Overview
Complaint ID: 10660565
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: Florida
ZIP Code: 33032
Date Received: 2024-11-01T12:00:00-05:00
Date Sent to Company: 2024-11-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I don't understand how Experian continues to report this fraudulent account on my credit report. The other credit bureaus such as XXXX and XXXX conducted investigations and removed this account since I am a victim of identity theft fraud. The following fraudulent account must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ) *The following account is the result of identity theft. *Account name : XXXX XXXX XXXX XXXX XXXX *This account does not belong to me. I have never had any commercial relationship with XXXX XXXX. *I am concerned about how this account could be associated with my name and Social Security number. I did not authorize the opening of this account or permit any third parties to conduct transactions in my name. *This account was created through identity theft and was opened without my knowledge or authorization. *Pursuant to Section 605B of the Fair Credit Reporting Act, I request that this account be immediately removed and blocked from my credit report, and that notifications be sent to all furnishers of this information as required by law. *Additionally, there is a duplicate entry of this fraudulent account on my credit report. This must be corrected promptly to ensure accuracy and compliance with my rights under the FCRA. *Notice of Potential Penalties for Non-Compliance *Under the Fair Credit Reporting Act, credit bureaus are required to investigate and correct errors, especially in cases of identity theft. If a credit bureau fails to fulfill its duties, the following penalties may apply : *Statutory Damages : Consumers are entitled to seek statutory damages, which can range from {$100.00} to {$1000.00} per violation. *Actual Damages : If the error results in harm, such as higher interest rates, loan denials, or emotional distress, I am entitled to seek compensation for actual damages. *Punitive Damages : In cases of willful non-compliance, punitive damages may be awarded as a deterrent. *Attorney 's Fees and Costs : The FCRA provides for the recovery of attorney 's fees and costs if legal action is taken. *Failure to address this issue promptly and accurately may subject the bureau to these penalties. I expect immediate compliance with the FCRA requirements to correct and permanently block this fraudulent account from my credit file. *Request for Verification Procedures *In addition, I request a detailed explanation of the procedures that XXXX has XXXX to verify this account information, as required under the Fair Credit Reporting Act. This information is essential to understand how this error was made and to prevent future occurrences.
Frequently Asked Questions
What is Complaint #10660565 about?
Complaint #10660565 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.