Consumer complaint received 2024-08-10
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. (PA)

I am writing to you as a last resort after multiple unsuccessful attempts to resolve a matter of fraudulent accounts and inquiries appearing on my credit reports with all three major credit bureaus ( Experian, XXXX, and XXXX ). Despite my repeated efforts, these bureaus continue to violate my rights under multiple federal laws, and I demand immediate action to rectify this situation. 

Violations of Federal Law : Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) ] : The credit bureaus are legally required to provide accurate and verifiable information about each item on my credit report. The fraudulent accounts and inquiries listed below are clearly not mine, and the credit bureaus have failed to provide any documentation proving their legitimacy. 

12 CFR 1006.34 ( b ) ( 5 ) : This regulation mandates that debt collectors must clearly identify the name of the creditor and any information necessary to verify the validity of a debt. The credit bureaus have not complied with this requirement, continuing to report erroneous information without proper verification. 

FCRA Section 605B [ 15 U.S.C. 1681c-2 ] : This section allows me to block fraudulent information resulting from identity theft, yet the bureaus have ignored my requests and continue to report the following fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX, Open Date : XX/XX/XXXX XXXX XXXX, Open Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX FCRA Section 1681e ( b ) [ 15 U.S.C. 1681e ( b ) ] : The credit bureaus are required to maintain reasonable procedures to ensure maximum accuracy of the information they report. Their continued reporting of fraudulent accounts and inquiries, despite my disputes, demonstrates a clear violation of this obligation. 

15 U.S.C. 1692c : This statute prohibits debt collectors from contacting me regarding debts that I have clearly disputed as fraudulent. The credit bureaus persistence in reporting these items amounts to unlawful collection activity. 

15 U.S.C. 1681b : This section outlines permissible purposes for obtaining consumer reports. The inquiries listed above were not authorized by me and constitute unauthorized access to my credit information. 

My Demands : This is my third formal request for the immediate removal of the fraudulent accounts and inquiries from my credit reports. By continuing to report this inaccurate information, the credit bureaus are willfully violating federal law and causing significant harm to my financial standing. 

For each fraudulent item that remains on my credit report after this communication, I will pursue legal action and demand {$1000.00} in statutory damages per item, as well as additional compensation for the pain and suffering caused by the ongoing damage to my credit. Furthermore, I will seek punitive damages for the credit bureaus ' blatant disregard for federal law and my rights as a consumer.