Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
, XXXX XXXX, declare under penalty of perjury that the information provided in this statement is
accurate and true to the best of my knowledge. I am the victim of identity theft, which has affected
multiple accounts listed under my name.I previously notified the respective creditors and financial
institutions of my change of address due to an incident of mail theft. Despite this notification, these
entities failed to update my records accordingly. This has resulted in unauthorized and fraudulent
activities on the mentioned accounts, reflecting a serious case of identity theft.The continued
reporting of these accounts with incorrect and unauthorized information has led to adverse effects
on my credit report, significantly impacting my financial standing and reputation. decisions were
made and actions were taken under my name without my knowledge or consent.I have never
authorized or consented to delinquent payments OR collections OR charge-offs.Identity Theft and
Assumption Deterrence Act, enforced by the U.S. Department of Justice. These laws are designed to
protect individuals from unauthorized use of their personal information and to ensure accurate and
fair reporting of credit information.According to the U.S. Department of Justice, identity theft involves
the unauthorized use or misuse of another individual's personal information for fraudulent purposes.
In my case, the failure to update my personal information, specifically my address, despite being duly
notified, has led to circumstances that parallel identity theft. The misdirected communications and
unauthorized actions on MENTIONED accounts, due to the address not being updated, have
resulted in my personal information being used in a manner that I did not authorize. This negligence
has facilitated financial decisions and activities under my name without my consent, closely mirroring
the essence of identity theft The mishandling of my personal information and the subsequent
adverse effects on my accounts and credit report constitute a violation of my rights under various
laws, including the Fair Credit Reporting Act (FCRA) and the Identity Theft and Assumption
Deterrence Act, enforced by the U.S. Department of Justice and more. These laws are designed to
protect individuals from unauthorized use of their personal information and to ensure accurate and
fair reporting of credit information.Identity Theft Definition from Justice.gov: "Identity theft and
identity fraud... involve someone wrongfully obtaining and using another person's personal data in a
way that involves fraud or deception, typically for economic gain." The wrongful use of my personal
information and the resulting financial harm align with this definition, exacerbating the seriousness of
your actions. 1. Critical Error in Address Reporting and Its Direct Impact: The presence of multiple
incorrect addresses on my credit report, despite my provision of updated and accurate information,
has led to grave misverification of accounts. This situation extends beyond clerical error, reflecting a
severe breach of accurate reporting. Such inaccuracies have unjustly impacted my credit history and
financial standing. 2. Demand for Substantial Verification Evidence: Under the Fair Credit Reporting
Act, I demand more than just a copy of my credit report as proof of verification. There is a legal
obligation for EXPERIAN to provide substantial, tangible evidence validating the addresses and
associated account information reported. Failure to provide this level of verification represents a
significant breach of your duties. 3. Importance of IRS Form 1099-C in Debt Verification: For chargedoff debts, it is imperative that the original creditor files Form 1099-C with the IRS, particularly when
the debt is sold. This documentation is crucial for accurate credit reporting and must be part of your
verification process. I insist on a thorough verification of debt statuses using such essential
documentation. 4. Detailed Explanation of Legal Violations byEXPERIAN Tailored to my Situation:
Uniform Commercial Code (UCC) Violation: UCC 9-102(a)(73) requires accurate financial reporting in
secured transactions.EXPERIAN has breached this by incorrectly reporting my address and account information, which is fundamental to the accuracy of secured transactions. RICO Act Violation: Under
18 U.S.C.  1962,EXPERIANs repetitive inaccurate reporting and failure in verification processes
constitute a pattern of racketeering activity. This systematic issue is evidenced by the ongoing
misverification of my account details and address information. Wire Fraud Violation: In accordance
with 18 U.S.C.  1343,EXPERIANs use of electronic communication to disseminate and maintain
inaccurate credit reporting information in my case is indicative of wire fraud, assuming an intent to
defraud through persistent misinformation. Bank Fraud Violation: As defined in 18 U.S.C.  1344,
 EXPERIAN's misreporting practices, particularly involving financial information, align with executing
a scheme to defraud or to obtain funds under false pretenses, impacting my financial transactions
and relationships. Fair Credit Reporting Act (FCRA) Violation:EXPERIAN has violated 15 U.S.C. 
1681e(b) by not following reasonable procedures to ensure maximum accuracy in my credit report.
Additionally, their failure to properly reinvestigate disputed information, as required by 15 U.S.C. 
1681i, is a clear breach of the FCRA in my case. Gramm-Leach-Bliley Act (GLBA) Violation: The
mismanagement of my personal information, particularly in updating and verifying my address,
breaches 15 U.S.C.  6801-6809, which demand the protection of consumer information's security
and confidentiality. Identity Theft and Assumption Deterrence Act Violation: The mishandling of my
address information and the consequent risk of identity theft align with violations under 18 U.S.C. 
1028, particularly given the unauthorized use of my personal information. Electronic Fund Transfer
Act (EFTA) Violation: the inaccuracies on my credit report involve electronic fund transactions,
 EXPERIAN is in violation of 15 U.S.C.  1693-1693r, which govern the conduct of electronic fund
transfers. Truth in Lending Act (TILA) Violation: Under 15 U.S.C.  1601 et seq.,EXPERIANs
misreporting of credit accounts and associated data fails to meet the accuracy standards required for
the disclosure of credit terms. Fair Debt Collection Practices Act (FDCPA) Violation: The
misrepresentation of my debt-related information byEXPERIAN is a breach of 15 U.S.C.  1692-
1692p. AlthoughEXPERIAN is not a debt collector, their inaccurate reporting contributes to
misleading representations about debts. Consumer Financial Protection Act (CFPA) Violation: Under
12 U.S.C.  5531,EXPERIAN's actions in my case, including inaccurate reporting and inadequate
dispute resolution, constitute unfair and deceptive practices. Electronic Signatures in Global and
National Commerce Act (E-SIGN) Violation: electronic records or signatures were involved in my
interactions with the crediorEXPERIAN must verify that an orignal contract of application is verifed
and provided to me becuasei f not this constitutes it was mishandled, this would constitute a breach
of 15 U.S.C.  7001 et seq. Right to Financial Privacy Act (RFPA) Violation: The inappropriate handling
or disclosure of my financial records byEXPERIAN is in violation of 12 U.S.C.  3401 et seq.,
designed to protect consumer financial privacy becuase they currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my PREVIOUS address and this is not my address 
and they have allowed creditors to send them this information and report it and everytime i
apply i may get denied because of this false address along with other false address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Accounts Affected: The errors have impacted
several accounts, including but not limited to: XXXX XXXX XXXX
Incorrectly reported late payments. XXXX XXXX XXXX: Failure to update address leading to
misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit
information due to address discrepancies. XXXX XXXX XXXX XXXX XXXX incorrectly reported late
payments. adverse entries on my credit report without ensuring I had received the necessary account
notifications is akin to making financial decisions in my name. By failing to update my address and
subsequently reporting adverse actions, creditors &EXPERIAN violated my consumer rights. The
unauthorized reporting of a collection or chargeoff or llate payment stemming from their
mishandling of my information, mirrors the consequences of traditional identity theft.

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