Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc. (CA)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX ] XXXX ] [ XXXX [ XX/XX/year> FactorTrust , Inc . 
XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Removal of Inaccurate Information, Revocation of Unauthorized Data Sharing, and Notice of Legal Action Identity Theft Case Dear FactorTrust, I am writing to demand the immediate removal of all inaccurate and unauthorized information in my consumer report ( Report Number : XXXX ) and to notify you of violations under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
Violations As a result of being a victim of identity theft, FactorTrust is reporting information that includes accounts I did not open, transactions I did not authorize, and other inaccurate personal data. This inaccurate reporting constitutes violations of the FCRA, including but not limited to : FCRA 605B Failure to block information resulting from identity theft despite proper documentation being provided.

FCRA 623 Reporting inaccurate information with knowledge of its inaccuracy or without proper investigation of its accuracy.

FCRA 609 Failure to provide me with complete and accurate disclosure of all information in my file as it pertains to fraudulent activity.

Additionally, unauthorized sharing of my personal data with third parties without my consent violates my rights under FCRA 604 and constitutes unauthorized access to my consumer report. 
Penalties The FCRA provides for both statutory damages and actual damages. For willful noncompliance, FactorTrust is liable for : Statutory damages up to {$1000.00} per violation.

Punitive damages as determined by the court. 
Actual damages for harm caused by inaccurate reporting and unauthorized sharing of information, including damage to my credit, emotional distress, and loss of opportunities for credit or employment. 
Demand I demand the following actions be taken immediately : Permanent removal of all inaccurate and unauthorized information from my FactorTrust consumer report, including any accounts and personal details related to identity theft.

Immediate cessation of any further dissemination of my personal information to third parties, including for marketing or promotional purposes, unless expressly authorized by me in writing. 
Written confirmation within 30 days from the receipt of this letter that the above actions have been completed. 
Compensation for damages arising from the inaccurate reporting and unauthorized data sharing, including statutory and actual damages. 
Legal Action If these demands are not met within 30 days, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for the ongoing violations of federal law. Furthermore, I will pursue legal action in federal court for violations of the FCRA and any applicable state consumer protection laws. This letter serves as formal notice of intent to file suit for willful noncompliance, wherein I will seek actual and statutory damages, attorney fees, and court costs as permitted under FCRA 616 and 617. 
Enclosed are copies of my identity theft affidavit, police report, and supporting documents, which I previously submitted to substantiate my identity theft claims. 
I expect your prompt attention to this serious matter. If I do not receive a satisfactory response, I will proceed with the legal actions outlined above. 
Sincerely, [ XXXX XXXX XXXX Social Security Number : * -- XXXX Date of Birth : XXXX deleted the whole file I did not consent to it.