Consumer complaint received 2024-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Personal Statement I have been XXXX  for 7 years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX XXXX  XXXX Original Creditor : XXXX account # XXXX are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this illegal account are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). This XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you. Personal Statement I have been XXXX  for 5 years and my personal information was used illegally without my consent nor my permission and my credit was pulled illegally from XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Also i have 10 unauthorized inquiries reporting on my XXXX records as followed XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, These inquiries are all unauthorized and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately all the above inquiries is fraudulent and was submitted without my consent ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( b ) AccURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( C ) DISCLOSURE OF CONSUMER REPORTS BY USERS ALLOWED A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. The information it misleading on each credit bureau the account information is different the opening date is different, the status is different, and the information is different which is illegal for the credit bureau to report this fraudulent account and information to my credit report Under 15 USC 1692g ( b ) and also 15 USC 1681e ( 5 ) A