Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. To help move this promptly, I have contacted The FTC and filed a report with the reference number ( XXXX ), and the other two major credit reporting agencies : XXXX and XXXX. I have already filed separate disputes with each agency regarding the inaccurate and incomplete information on my credit report. However, despite these disputes, the errors persist. This fraudulent, inaccurate, and false information consists of Personal Loans and collection accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15USC1681c-2 c ( a ), it is imperative that as a credit reporting agency, you take immediate action to block and remove all the information that's associated with my credit report from the identity theft complaint. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. Statute mandates credit reporting agencies MUST promptly address this request within FOUR business days of you receiving my complaint. 

These errors are having a significant negative impact on my ability to obtain credit. I have been denied loans, credit cards, and other financial services due to these inaccuracies. 

I have attached copies of my credit reports from all three agencies, as well as any relevant documentation supporting my claims. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to compel the credit reporting agencies to correct the errors on my credit report. I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692K.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code & 1681o - Civil liability for negligent noncompliance 5. Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violation under 15 USC 1681 a ( 4 ) right to privacy 10. Violation under 15 U.S. Code & 1681c - Requirements relating to information contained in consumer reports.

I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue. Your prompt attention to this matter is greatly appreciated.