Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SS # : XXXX Date Of Birth : XX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Privacy Violation and Request for Verification or Removal of Inaccurate Accounts Dear Experian, In accordance with 15 U.S. Code 1681b on the permissible purposes of consumer reports, I have never given you written consent to report anything on my consumer report. Any such reporting without my consent is a form of identity theft. 



I, XXXX XXXX, the natural person, did not consent to, authorize, nor benefit from any of the inquiries or accounts mentioned below. They are inaccurate, and I demand that you block and remove them immediately. I have already filed FTC reports. My identity was stolen, resulting in the application of fraudulent and inaccurate accounts without my consent. Furthermore, XXXX XXXX XXXX have reported this false and misleading information, which is in direct violation of the FCRA laws. I expect you to complete the required reinvestigation under 15 U.S. Code 1681c2 and block or update all information resulting from this identity theft within four days of receiving this letter. Failure to do so would be a violation of the law, and you will be held criminally and civilly liable for all fees as listed in the attached invoice. Please remove all fraudulent accounts, as I have no knowledge of any such accounts due to the XXXX and Experian data breach and subsequent identity theft from scammers and unknown third-party consumers agencies. The FTC and CFPB are actively investigating this matter. According to FCRA 605B, this information must be blocked immediately until the investigation is concluded. Additionally, under 15 USC 1681n, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, you are liable for actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.

Under 15 U.S.C. 1681g, I have the right to demand that you disclose all the documents recorded and retained in your file at the time of the request concerning the accounts you have reported on my credit report. It is imperative that you do not respond to my request by merely stating that the accounts have been verified by the information provider or third-party servicer. 

I demand copies of the documents you have retained in your files, which your company used to verify the accuracy of these disputed accounts. 

I demand that the following account be verified or removed immediately : 1. My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. I have no recollection of this account. Please investigate and remove it from my credit report. 

2. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXXXXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE ; I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Your reporting of " late payments '' on my credit report, without a clear definition of " late payment '' in relevant laws such as the Truth in Lending Act ( TILA ), FCRA, or FDCPA, is inaccurate and deceptive. Your responsibility as a credit reporting agency is to report only accurate information in compliance with FCRA laws. 

XXXX. My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. I have no recollection of this account. Please investigate and remove it from my credit report. 

4. My PERSONAL INFORMATION is being compromised in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX. I have no recollection of this account. Please investigate and remove it from my credit report. 

XXXX. My PERSONAL INFORMATION is being compromised in the XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX. I have no recollection of this account. Please investigate and remove it from my credit report. 

XXXX. My PERSONAL INFORMATION is being PROVIDED TO XXXX XXXX Account Number : XXXX I have no recollection of this account. Please investigate and remove it from my credit report. 

It is crucial to recognize that identity theft, as defined in Section 1581a ( 3 ), involves fraud committed using another person 's identifying information. In this case with XXXX XXXX, this creditor or collection agency illegally obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. Furthermore, your communication with third-party credit reporting agencies has violated 15 U.S. Code 1692b ( 2 ), which states that debt collectors should not indicate that a consumer owes any debt when communicating for the purpose of acquiring location information. Yet, these debt collectors have contacted these agencies, providing my information, including my address, and falsely reporting a " debt '' without authorization. 



As the consumer, I am aware that I hold all the power. Case law under the " Doctrine of Estoppels by Silence. '' [ The case law supporting this doctrine is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. This doctrine states that absent a reply to your request of validation, you may legally presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. As the consumer I refer to ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt exists. ] Therefore, I, as a consumer ( XXXX XXXX ), who possesses all the power, insist that these inaccurate accounts mentioned in this letter be deleted immediately. Failure to comply will result in my pursuit of monetary damages in small claims court in my city and state. Considering that I have attached my identification, proof of address, and Social Security card, this complaint should identify someone whom your company should recognize as their customer or authorized representative. Furthermore, I have already included and sent this letter to the Consumer Financial Protection Bureau, the Attorney General 's Office, the XXXX XXXX XXXX, and the Federal Trade Commission. Your erroneous reporting, resulting from the XXXX and Experian data breach, constitutes a direct violation of 15 U.S. Code 1681. These inaccurate inquiries and accounts must be addressed and deleted. 

I certify that this request to block information was not made in error, nor was it based on any material misrepresentation. Moreover, I did not knowingly obtain or possess goods, services, or money as a result of any of the transactions I seek to block. If, by chance, I did receive goods and services, I request that a senior executive certify in writing, under the penalty of perjury, that I indeed received such goods and services as a result of this transaction, as specified in 15 U.S. Code 1681B ( a ) ( 2 ).

Additionally, I request that you provide me with validation of all debts in accordance with GAAP and case law supporting the above-mentioned doctrine, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. If you are unable to fulfill this request, you must remove these debts promptly. 

Thank you for your immediate attention to this matter. Failure to address these concerns adequately will result in further legal actions to protect my rights as a consumer. 

Sincerely, XXXX XXXX