Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: PA
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:
I, XXXX XXXX firstly is a Living Man and a consumer. As I recently looked over my Credit Report via idenityiq that I have recently signed up with to get my current report. I noticed inaccurate Accounts and Inquires on my credit report that Is unauthorized and I am a victim of IDENTITY THEFT according to 18 USC 1028A None of these Credit Agencies has non public means of identification without my written consent and when there is no consent in law that means theft. All information shared is a result of identity theft. I DEMAND that you DELETE the fraudulent accounts and any related finance charge and other charges from my account, send me an updated and accurate consumer profile, and delete the accounts. I also DEMAND that you CEASE AND DESIST reporting inaccurate information to my credit report without getting my Written consent First in PURSUAT TO 15USC1681 ( b ) ( SUPRA ).

Enclosed is a copy of my Identity Theft Report where I reported such CRIMES/ VIOLATION, and a copy of my credit report showing the fraudulent items related to your company that are result in identity theft. Consumers should redact information that is unrelated to the dispute with EXPERIAN. Also, enclosed is a copy of the Notice to furnishers issued by the federal trade commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher/AGENCY. THIS IS NOT A DISPUTE NOR AM I REQUESTING A INVESTIGATION ; I AM DEMANDING YOU DELETE THESE ACCOUNTS IN THIS LETTER BECAUSE ALL CAN NOT BE PLACED IN A FTC Report. 

According to UNITED STATES FEDERAL CODE EXPERIAN is in VIOLATION of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was never any written consent for this information to be posted onto my consumer profile without my written consent. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Your company is in VIOLATION of federal law by making me a victim of Identity Theft according to 18 U.S. Code 1028A - Aggravated identity theft ( 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. ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ). Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. Your Company has VIOLATED federal laws and can be held liable according 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I DEMAND YOU DELETE ALL ACCOUNTS AND INQUIRES LISTED BELOW AND DO NOT POST FUTURE INFORMATION REGARDING ANY OF THE ACCOUNTS AND INQUIRES. AND IF YOU NOT, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY ( 30 ) BUSINESS DAYS AFTER RECEIVING THIS LETTER FOR, 1 ) Defamation of Character 2 ) Damage to Credit Worthiness 2 ) Violating the FAIR CREDIT REPORTING ACT 3 ) Causing me anxiety, grief, and depression Violations Aggravated Identity Theft 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A 18 U.S. Code 1028A EXPERIAN is VIOLATING FEDERAL UNITED STATES CODES and can and WILL be held LIABLE according to 15 U.S. Code 1611 if not remedied and I wont hesitate to FILE A small claims LAWSUIT AT XXXX XXXX XXXX. 



I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!!!! 

ACCOUNTS : Original Creditor : XXXX XXXX Open date : XX/XX/XXXX Amount : {$540.00} Account # : XXXX Original Creditor : XXXX XXXX  Open date : XX/XX/XXXX Amount : {$510.00} Account # : XXXX Original Creditor : XXXX  XXXX XXXX  XXXX Open date : XX/XX/XXXX Amount : {$610.00} Account # : XXXX Original Creditor : XXXX Open date : XX/XX/XXXX Amount : {$430.00} Account # : XXXX Original Creditor : XXXX Open date : XX/XX/XXXX Amount : {$3000.00} Account # : XXXX

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