Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I am writing to address the compromise of my personal information through multiple data breaches, including the XXXX XXXX Breach Settlement ( In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX. ) ), the Experian breach, and the XXXX XXXX breach. These breaches compromised not only my Social Security number but also my personal identification card, making it possible for unauthorized parties to open fraudulent accounts in my name. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809, and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), companies are required to protect personal information, prevent fraud, and ensure maximum accuracy in consumer reports. Given these breaches, I am formally requesting proof of identity verification for any account allegedly opened in my name. Having only a photo of my identification and Social Security number is insufficient proof to validate the authenticity of account creation due to the data breach of my personal information. As such, the validation must rise above simple photo proof of identity. To establish the validity of any accounts in my name, a notary public must be present at the time of identity verification, and the documentation must include a notary stamp alongside the identity documents. Without such notarized validation, these accounts are invalid and must be immediately removed from my credit report. Additionally, I am formally requesting a description of the procedure your bureau used to provide all information to the original creditor in processing my dispute, as required by FCRA 611 ( a ) ( 7 ). To be clear, under FCRA 611 ( a ) ( 2 ) ( B ), your agency is legally required to forward all relevant information to the original creditor to ensure a thorough investigation. I request that you provide me with all information used in your investigation, as required by FCRA 611 ( a ) ( 7 ). Method of Verification Reason : This account continues to report errors despite your claim that it has been verified. I have reason to believe that your bureau failed to conduct a reasonable re-investigation of my disputes, as required under FCRA 611. Therefore, this account could not have been properly verified. Under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, institutions are prohibited from engaging in any unfair, deceptive, or abusive acts or practices ( UDAAP ). Continuing to report inaccurate or unverifiable information after receiving notice of a dispute may constitute such a violation. Provide proof of any and all evidence that a reasonable investigation was conducted to ensure maximum accuracy of the information reported on my credit file. If such evidence can not be provided, I demand that you IMMEDIATELY DELETE this information from my credit report, as it is unverifiable. Further, due to the breaches of my personal data, you must demonstrate that a notary was present during the identification process for any accounts opened under my name. Without a notary and notary stamp present at the time of identity verification, these accounts are invalid and must be removed from my credit report. Under 15 U.S.C. 1681i ( c ), I reserve the right to add a statement of dispute to my credit report if the information is not removed. Please be reminded that failure to comply with your obligations under the FCRA, GLBA, and other applicable laws will leave me no choice but to escalate the matter by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. Additionally, under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, financial institutions must ensure that all consumers are treated fairly in credit-related matters. Failing to address fraudulent accounts in a timely manner could also implicate violations of this act. Please confirm receipt of this letter and provide a detailed response within the timeframe specified by law, outlining the steps you will take to resolve this matter. 

I did not sign a contract with this company at any point, and they can not provide proof of any valid contract between us. Instead, they have only provided documents from a different provider, which is not affiliated with them. Furthermore, they are unable to confirm the authenticity of these documents with the originating company because they are not that company. As such, the lack of any contractual agreement directly between us means that this account is unverifiable and invalid, and it must be immediately removed from my credit report.