Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any involvement of any third party involved. My personal identifying information has been improperly used to furnish fraudulent information on my consumer report that requires my written consent, which wasnt giving to XXXX, XXXX nor EXPERIAN which is aggravated identity theft. Fraudulent Accounts : XXXX ) .XXXX XXXXXXXX : {$510.00} Opened : XXXX XXXX XXXX ) XXXXXXXX XXXX  : XXXX XXXX ) XXXXXXXX XXXX : {$120.00} XXXX XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Fraudulent. After reviewing my credit report I noticed that several fraudulent accounts, inquiries and a address are on my consumer report. The credit reporting agencies policy doesn't supersede federal law. The law says, in case of identity theft a consumer must provide a : 1. FTC Identity Theft Report # XXXX XXXX. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. 15 USC 1681C-2 ( A ). 
XXXX and Experian as financial institutions have not given I ( XXXX XXXX ) the opportunity to opt out the disclosure of said nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of nonpublic information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Pursuant to 15 USC 6823 ( a ) whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to {$500000.00} for a felony by an organization or imprisoned for 5 years or both. Having the above mentioned information, Experian and XXXX are both together and separately violating my federally protected consumer and privacy rights. In addition to those violations, you are also committing fraud since you claim to have verified these accounts. I am hereby demanding this entry be permanently removed from my consumer file within 5 days from the day you RECEIVE this letter. 
Im also exercising my right to opt out and suppress my information from being disclosed in Experian and XXXX products. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and my states Attorney General and initiate legal action against XXXX for violations of the FCRA and pursuant to FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) I'm requesting the following : 1.Who in your company verified these accounts? 2.How did the person in your company verify these accounts? 3. Once again Please provide me with the name of the individual, the business address, and the telephone number of the person or business that was contacted during your re-investigation? Please note that making any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ) of the Gramm-Leach Bliley Act

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