Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10988225
Complaint Overview
Complaint ID: 10988225
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: Pennsylvania
ZIP Code: 19134
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 To Whom It May Concern, I am writing to formally notify you of the unlawful reporting of fraudulent accounts on my consumer report, arising from identity theft, which you failed to verify as mandated by law. 15 USC 1681b ( c ) - Furnishing reports in connection with credit or insurance transactions not initiated by the consumer : ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries, which are a result of identity theft and were not initiated by me, must be deleted immediately : Inquiry : Company Name, Date of Inquiry My identity has been stolen, and I am placing you on formal notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A : ( 1 ) In general : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 15 USC 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not related to any transaction by the consumer. Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports. 15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title. Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX ) The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report
Frequently Asked Questions
What is Complaint #10988225 about?
Complaint #10988225 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 2024-12-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.