Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Method of Verification under FCRA To whom it may concern, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. I received documents from the original creditor, mentioned below, that contained many errors and inaccuracies that they are representing as materially accurate information. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Reason for Dispute : ID Theft / Inaccurate Information on Consumer Credit Report based on information provided by the original creditor. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 

Under the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have a fundamental right to privacy with regards to my financial information. Furthermore, under 15 USC 1681 ( 4 ), the Fair Credit Reporting Act recognizes the importance of ensuring the accuracy and privacy of consumer credit information.

In addition, I would like to draw your attention to 18 USC 1028a, which addresses identity theft and its associated penalties. Identity theft is a serious offense under federal law and should be treated as such. The unauthorized acquisition and use of personal information is a criminal act and goes against the principles of privacy and consumer protection. Moreover, 15 USC 1681c-2 requires credit reporting agencies to block information resulting from identity theft, ensuring the accuracy and privacy of consumer credit information.

The identified transaction is not related to a transaction done by me. If my information has been involved in an identity theft situation, I expect Experian to take the necessary steps to block and delete this item from my consumer credit report as required by law.

I hereby request a thorough investigation into my dispute and the removal of my credit report from Experian 's records once it is determined that that no permissible purpose exists for your possession of my information. I also expect you to comply with the provisions of the Fair Credit Reporting Act, 18 USC 1028a, and 15 USC 1681c-2 to rectify any issues related to identity theft, If applicable. 

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 

Sincerely, XXXX XXXX XXXX, XXXX Encl : Copy of Drivers License Copy of Utility Bill Copy of FTC ID Theft Report Copy of Original XXXX Data Breach Verification Copy of Original application from the creditor listing various errors and inaccuracies including : - Incorrect Business Name, Address, Phone number, and email - Incorrect DBA ; - Incorrect banking information : routing and account numbers- Incorrect owners name - No valid signatures on the application form - No binding contract - No verification of DBA name or actual photos of DBA exterior or interior of business or merchandise displays.