Consumer complaint received 2023-11-08
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:
To Whom It May Concern, I am writing to formally dispute the presence of specific accounts on my consumer report, as I firmly believe that their inclusion violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b and 15 U.S. Code 1681c-2.

Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, it is unequivocally stated that a consumer reporting agency may provide a consumer report solely under distinct circumstances, one of which is " In accordance with the WRITTEN INSTRUCTION of the consumer to whom it pertains. '' It is essential to underscore that I have NEVER granted written consent to any consumer reporting agency to feature the accounts in question on my consumer report. This glaringly represents a direct infringement on my rights as a pro-consumer individual under federal law. 

Furthermore, I wish to underscore that the inclusion of these accounts on my consumer report without my consent constitutes identity theft, a matter I have officially reported to the Federal Trade Commission ( FTC ) and have been assigned an FTC number ( XXXX ) for this particular incident. As an identity theft victim, I am demanding the immediate removal of these accounts from my consumer report and a thorough investigation into my consumer report. 

Here are the specific accounts and inquiries that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Inquiries that need removal : XXXX XXXX Inquiry date : XX/XX/2022 XXXX XXXX Inquiry date : XX/XX/2022 XXXX OF XXXX Inquiry date : XX/XX/2022 XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/2022 XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry date : XX/XX/2022 XXXX XXXX XXXX Inquiry date : XX/XX/2022 XXXX Inquiry date : XX/XX/2022 According to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block the reporting of any information in the file of a consumer that the consumer identifies as information stemming from alleged identity theft no later than XXXX business days after receiving the identification. It has been more than 30 days since my initial request, and your agency is still in violation of this law by failing to promptly address my dispute as an identity theft victim. 

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

I expect your agency to act in full compliance with the FCRA and federal law promptly. Failure to do so may compel me to take legal action to protect my rights as a consumer. I deeply appreciate your immediate attention to this pressing 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