Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint concerning serious violations of my consumer rights and identity theft related to my credit reports. Your agencys actions appear to be in direct contravention of multiple statutes under federal law, including the Fair Credit Reporting Act ( FCRA ) and other relevant criminal statutes. 

Violations and Legal Basis Unauthorized Furnishing of Consumer Reports ( 15 USC 1681b ( b ) ( 2 ) ) Under 15 USC 1681b ( b ) ( 2 ) of the Fair Credit Reporting Act, no consumer reporting agency should furnish a consumer report to another consumer reporting agency without my explicit written consent. I have not provided any such consent, and it appears that my consumer reports have been shared improperly. This is a clear violation of my rights as outlined in this provision. 
False Pretenses and Identity Theft ( 15 USC 1681q ) As per 15 USC 1681q, obtaining consumer reports under false pretenses constitutes identity theft. The manner in which my reports have been handled by your reporting agency raises concerns that my reports have been accessed or used fraudulently, which constitutes a serious breach of the law. 
Aggravated Identity Theft ( 18 USC 1028A ) The unauthorized use, possession, or transfer of personal identification information without lawful authority is classified as aggravated identity theft under 18 USC 1028A. Your agency 's actions, which appear to involve such unauthorized access and use of my identity information, fall under this criminal statute, thereby further violating my rights.

Blocking Identity Theft Information ( 15 USC 1681c-2 ) According to 15 USC 1681c-2 , any information resulting from identity theft must be blocked from my credit report. I am concerned that this provision has not been adhered to, as evidence of identity theft on my report remains unaddressed. Per your initial response. 
Request for Immediate Action Given the severity of these violations, I demand the following actions be taken immediately : Delete, Block and Remove all accounts on my Identity Theft Report FTC Report Number XXXX. According to the law ; you have violated my rights by refusing to delete accounts as requested. ( per your response indicated that you would not block remove etc... You had 4 days to block and you considered yourself to be a judge and jury of MY CREDIT REPORT. In which you shared your reluctance to abide to the law, that protects consumers from bullies. You have no rights and/or control over MY consumer report. Please understand the severity of this matter. 

The illegal manner in which you obtain my personal information and furnished on my consumer report without my consent.Your refusal to take appropriate action as required by law has caused great damage to my family as well as myself to be able to live under these conditions in which by your illegal violations have caused great suffering. 

Corrective Action : Cease any unauthorized sharing of my consumer information and rectify any erroneous entries or fraudulent activities related to my identity. 

Documentation and Confirmation : Provide written confirmation of the actions taken to resolve these issues and ensure that such violations do not recur in the future. 
Compensation for Damages : Provide compensation for the distress and potential financial damage caused by these violations. 

Legal and Procedural Recourse If these issues are not resolved promptly and satisfactorily, I will not hesitate to pursue legal action, including filing a lawsuit for the violations of my rights under the Fair Credit Reporting Act and related criminal statutes. This complaint may also be submitted to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. As well to pursue civil charges with a consumer law litigation attorney. 

I expect a response within 4 business days from the date of this letter. 

Thank you for your immediate attention to this critical matter. 

Sincerely, Attention : XXXX XXXX XXXX