Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.

5. I have been displaced by these particular acts through identity theft and fraud.

6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.

7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX  which is attached.

8. Thus then, remove this product of identity theft and fraud from my Credit Report.

9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.

10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts.

11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.

12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements. 14. 15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit
Reporting Agencies ignore federal regulations.

16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information

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