Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: MN
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:
****IDENTITY THEFT ***** XXXX XXXX XXXX XXXX  Beneficiary XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX LAST XXXX OF SOCIAL SECURITY NUMBER XXXX XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the 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 inquires in connection with a credit or insurance transaction that is not initiated by a consumer.

The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately. 

Inquiry Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL.

Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, 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 sS 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, XXXX, EXPERIAN have aided this fraud by not verifying these accounts. 

Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX. The following account is due to identity theft Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft KOHLSCAPITXXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete this item from my consumer report. 
XXXX. The following account is due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this item from my consumer report. 

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the 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 the identity of the consumer : ( 2 ) A copy of 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 be DELETED immediately.

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 subjection, 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 1681 ( d ) of this title ; and Be advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC XXXX  Attorney Generals Office in your state and Mine Thank you, XXXX XXXX XXXX XXXX XXXX Enclosed XXXX copy of ID, Utility Bill showing proof of address,. FTC Identity theft report with statement of fraudulent accounts/ inquires.

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