Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: PA
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:
( I HAVE DISPUTED THIS TWICE NOW AND THEY ARE FAILING TO FOLLOW THE LAW AND REMOVE AND DELETE ALL INFORMATION FROM MY CONSUMER CREDIT REPORT. PLEASE HELP ME I KNOW THAT THE CFPB IS FOR CONSUMER PROTECTION WHEN COMPANIES ARE NOT FOLLOWING THE LAW AND IS FAILING TO SUPPLY REMEDY AND FOLLOW WHAT I, XXXX XXXX, CONSUMER SAY ABOUT MY CONSUMER REPORT AND HOW THEY UNLAWFULLY OBSESS MY MEANS OF IDENTITIFICATION BY THE CREDITORS. THE CREDITORS ALSO SOLD AND OR SHARED MY INFORMATION WITHOUT CONSENT AS WELL AND IS A VIOLATION OF 15 USC 1681B AND ACCORDING TO 18 USC 1028A THAT IS AGGRAVATED IDENTITY THEFT BECAUSE THERE WAS CONSENT FROM ME ) XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX I, XXXX XXXX, XXXX XXXX is a consumer and I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that Is unauthorized and I am a victim of IDENTITY THEFT. The accounts below open/closed and in collections is not mines and has been done without my consent or authorization. All transaction, or charges are result in such action of identity theft. I Request that you delete the fraudulent accounts and any related finance charge and other charges from my account, send me an updated and accurate credit report, and delete the account. I also request that you cease reporting inaccurate information to my credit report. 

Enclosed is a copy of my Identity Theft Report supporting my position, 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 XXXX. 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. 

According to UNITED STATES XXXX XXXX your company is in VIOLTATION 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. 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 XXXX 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 IF YOU NOT, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY FOR ON XX/XX/XXXX ( XXXX ) BUSINESS DAYS AFTER RECEIVING THIS LETTER. 

1 ) Defamation of Character 2 ) Damage to Credit Worthiness 2 ) Violating the FAIR CREDIT REPORTING ACT XXXX ) Causing me anxiety, grief, and XXXX Violations Aggravated Identity Theft 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A 18 U.S. Code 1028A Your Company is VIOLATING FEDERAL UNITED STATES CODES and can be held LIABLE according to 15 U.S. Code 1611 and I wont hesitate to file a lawsuit and I WILL. 



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

ACCOUNTS : XXXX XXXX Date Opened : XXXX, XXXX XXXX : {$1000.00} XXXX XXXX XXXX  Date Opened : XXXX, XXXX Amount : {$500.00} XXXX XXXX Date Opened : XXXX, XXXX Amount : {$500.00} XXXX XXXX Date Opened : XXXX, XXXX Amount : {$15000.00}

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