Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9961253
Complaint Overview
Complaint ID: 9961253
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: 2024-08-27T12:00:00-05:00
Date Sent to Company: 2024-08-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted a complaint on XXXX XXXX XXXX, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. I have identified the following fraudulent accounts on my Experian report, and they were not promptly removed : XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$2000.00} XXXX Account # : XXXX - Balance : {$5500.00} XXXX Account # : XXXX - Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Original Balance : {$5000.00}, Balance : {$13000.00} XXXX Account # : XXXX - Original Balance : {$1500.00}, Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$3800.00}, Balance : {$7900.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Original Balance : {$2600.00}, Balance : {$5500.00} XXXX Account # : XXXX - Original Balance : {$2300.00} XXXX Account # : XXXX - Balance : {$1100.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$5500.00} XXXX Account # : XXXX - Original Balance : {$870.00} I spoke with a representative from Experian who informed me that these accounts would be blocked and removed. However, they have not been removed, which is a clear violation of 15 U.S.C. 1681c-2. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.
Frequently Asked Questions
What is Complaint #9961253 about?
Complaint #9961253 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 2024-08-27T12:00:00-05:00.
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.