Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act I'm a victim account and inquires not open, I never opened XXXX XXXX account number XXXX. I never opened XXXX XXXX account, I never opened XXXX XXXX XXXX Bank ) account XX/XX/XXXX, I never opened XXXX XXXX XXXX account XX/XX/XXXX, Account not open. I never opened XXXX XXXX XXXX ( Finance ) account XX/XX/XXXX Account not open, I never opened XXXX  XXXX ( Bank ) account XX/XX/XXXX account not open I never opened XXXX XXXX XXXX  ( Finance ) account XX/XX/XXXX account not open, I never opened XXXX XXXX XXXX  account XX/XX/XXXX has violated my rights. I dont know who has my identity. I never know who has access or has my information. I dont know who has access to my information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete all the accounts and inquiries mention including XXXX XXXX and XXXX  XXXXXXXX XXXX XXXX missed payments XXXX XXXX made all on time payments consumer dispute accounts remark code added make account current delete missed payment reporting to Experian, XXXX and XXXX. 

Delete all the accounts and inquiries mention XXXX XXXX XXXX XXXX account number XXXX reporting close a remark code was added. 
Delete inquiries, I'm a victim account not open, I never opened XXXX XXXX XXXX Bank ) account XX/XX/XXXX, account not open I never opened XXXX XXXX XXXX account XX/XX/XXXX, account not open, I never open XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX, XXXXaccount not open I never opened XXXX XXXX ( Finance ) account XX/XX/XXXX account not open, I never opened XXXX XXXX XXXX  account XX/XX/XXXX inquires has expire been more than 2 years has violated my rights. 

In accordance with the Fair Credit Reporting act the list of accounts violated my federally consumer rights to privacy and confidentially under 15 USC 1681 I'm a victim Accounts and inquires name XXXX XXXX account number XXXX has violated my rights. Hard and Soft Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX inquires has expire been more than 2 years has violated my rights. I dont know who has my identity. I never know who has access or has my information. I dont know who has access to my information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates te report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I'm a victim, I dont know who has my identity. I never know who has access or has my information. I dont know who has access to my information. The credit bureau Consumer Financial Protection Bureau, Federal Trade Commission, Experian, XXXX, XXXX, verified inquiry accounts I never inquiry nor opened XXXX XXXX account ( Bank ) XX/XX/XXXX, In never opened XXXXXXXX XXXX XXXX account XX/XX/XXXX, I never opened XXXX XXXX XXXX ( Finance ) account XX/XX/XXXX I never opened XXXX  XXXX ( Bank ) account XX/XX/XXXX I never opened XXXX XXXX ( Finance ) account XX/XX/XXXX I never opened XXXX XXXX XXXX  account XX/XX/XXXX inquires has expire been more than 2 years the dispute of deletion credit reporting accurate. I never authorize these inquiries. Inaccurate information reported XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX account XXXX XXXX XXXXXX/XX/XXXX. I never opened a credit card. Credit card account was made under the XXXX XXXX name. Consumer disputes with XXXX XXXX  case number XXXX and XXXX remark code added for deletion of closed account reporting on Experian, XXXX and XXXX I've made all my XXXX  XXXX and XXXX XXXX payments on time currently current remark code was added to make XXXX  XXXX and XXXX XXXX accounts current and delete the missed payments consumer dispute with XXXX and XXXX verified accurate. I have a police report for each year regarding identity theft. I never know who has access or has my information. I dont know who has access to my information. All my personal information including drivers license and social security number, bank cards and other personal information was used for unauthorized inquiries and never opened accounts that were never authorized by XXXX XXXX. I have disputed these accounts numerous times to credit. Stating I never had XXXX XXXX account ( Bank ) XX/XX/XXXX, I never had XXXX XXXX XXXX account XX/XX/XXXX, I never had XXXX XXXX XXXX ( Finance ) account XX/XX/XXXX I never had XXXX  XXXX ( Bank ) account XX/XX/XXXX I never had XXXX XXXX ( Finance ) account XX/XX/XXXX I never had XXXX XXXX XXXX  account XX/XX/XXXX a Year XXXX Police case report number XXXX. Year XXXX Police report case number XXXX. Year XXXX Police case report number XXXX, Federal Trade Commission case report number XXXX. Experian, XXXX and XXXX case report number XXXX. Consumer Financial Protection Bureau case report number XXXX, XXXX, XXXX, XXXX. Agencies verified deletion accurately.

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 non-monetary relief