Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX ATTN : EXPERIAN CC : XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT My name is XXXX XXXX XXXX I am certifying and contesting that this letter has been sent with my free will. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. I am personally contacting you in regards to the below accounts.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


After carefully reviewing my consumer report I have noticed that after sending my previous disputes that these fraudulent items still remain. I am putting you on notice that you are in direct violation of the law 15 U.S. Code 1681 C-2 which states 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept 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 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 will like to make note that I have supplied you all with a letter stating my identity theft, a copy of my FTC report, identified all of the accounts, and provided a statement that I had no relation nor received any goods or services from the above accounts NOW IN REGARDS TO YOUR AUTHORITY TO DECLINE OR RESCIND THE LAW STATES ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

I will like to make note that I have previously made a clear and direct statement that request of the block of these accounts were not made in error, I have provided my sworn statement that is included in my FTC report, and that I did not receive any goods or services from the above companies. 

On no basis of the law are you rightfully given the right to assume otherwise. 

I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information.

The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB TO DATE I HAVE NOT RECEIVED ANY DOCUMENTATION OR CORRESPONDENCE WITH THIS INFORMATION, YET THESE ACCOUNTS STILL REMAIN ON MY CONSUMER REPORT. YOUR COMPANY HAS BEEN WILLFULLY NON COMPLIANT OF THE LAW! 

Ignorance of the law is no excuse, these laws are mandatory. I am demanding the immediate deletion of these accounts within FOUR BUSINESS DAYS as it is inaccurately furnished on my report because it does not belong to me, I have not received any transactions from these accounts. I AM NOT REQUESTING ANY INVESTIGATIONS OR VERIFICATIONS, BUT IMMEDIATE REMOVAL ( BLOCK AND DELETE ).

Please take this letter as your FINAL chance to cure, failure to comply, not only will I contact the CFPB and the Attorney General, I will also invoke my rights to remedy of compensation of {$1000.00} per violation of the following damages due to the following violations : 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish as well as any other damages due to any denials of credit extensions due to the innacuracy of these accounts that has remained on my report. I am expecting your full cooperation. 

Sincerely, XXXX 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