Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This notice is to inform XXXX, Experian and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. XXXX XXXX are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT GIVE XXXX XXXX a division of XXXX XXXX  AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

15 USC $ 1681b ( c ) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : RE : XXXX XXXX a division of XXXX XXXX  account # XXXX My identity has been stolen, you are hereby put on notice. 

Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A ( 1 ) In General. 



Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law.

15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX, Experian and XXXX have aided this Fraud by not verifying XXXX XXXX a division of XXXX XXXX  accounts. 

Congress states 15 USC {$1600.00} Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

List Account/s here : Account Name, Account # Pursuant 15 U.S. Code $ 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of identity of the consumer : ( 2 ) A copy of an identity theft report : ( 3 ) The identification of such information by the consumer : and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have attached all the relevant documents pursuant the above Section of the law. 

I demand all the above Fraudulent accounts DELETED immediately, Privacy Act. 

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall- ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section XXXX ( d ) of this title : and Be Advised I will XXXX, XXXX and Florida Attorney General Office Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report

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