Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to formally dispute the presence of certain accounts on my consumer report, believing them to be in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically as outlined in 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is explicitly stated that a consumer reporting agency is permitted to provide a consumer report solely under specific conditions, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. '' I would like to emphasize that I have NEVER provided written consent to any consumer reporting agency to include the accounts in question in my consumer report. This represents a direct infringement upon my rights as a federal pro-consumer individual. 

Moreover, I wish to underscore that the inclusion of these accounts in my consumer report without my consent constitutes identity theft. I have reported this identity theft incident to the Federal Trade Commission ( FTC ) and have been assigned an FTC case number ( XXXX ). As a victim of identity theft, I hereby demand the immediate removal of these accounts from my consumer report and a thorough inquiry into this matter. 

The following accounts are in dispute : Organization : 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 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 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 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 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 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 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 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 As stated in 15 U.S. Code 1681c-2, a consumer reporting agency is legally obliged to block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft, not later than four business days after receiving such information. More than 30 days have elapsed since my initial request, and your agency remains in breach of this law by failing to promptly address my dispute as an identity theft victim.

I want to make it clear that my dispute is not with the creditors associated with these accounts, but with your reporting agency, which I did not authorize to include this information in my consumer report. I kindly request the immediate deletion of these items from my consumer report to rectify this situation.

I anticipate your agency to act swiftly in accordance with the FCRA and federal law. Failure to do so may result in legal action to safeguard my rights as a consumer. I appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation