Consumer complaint received 2024-10-29
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally notify you of the unlawful reporting of fraudulent accounts on my consumer report, arising from identity theft, which you failed to verify as mandated by law.

15 USC 1681b ( c ) - Furnishing reports in connection with credit or insurance transactions not initiated by the consumer : ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries, which are a result of identity theft and were not initiated by me, must be deleted immediately : Inquiry : Company Name, Date of Inquiry 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 XXXXXX/XX/XXXX My identity has been stolen, and I am placing you on formal notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A : ( 1 ) In general : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

15 USC 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report only under the following circumstances : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681- Fair Credit Reporting Act : ( a ) Accuracy and fairness of credit reports : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not related to any transaction by the consumer.

Enclosed are all relevant documents pursuant to the above section of the law. I demand that all the aforementioned fraudulent accounts be deleted immediately. Additionally, I demand an updated copy of my consumer file reflecting these changes, as stated by 15 USC 1681c-1 ( 2 ) - Access to free reports.

15 USC 1681c-1 ( 2 ) - Access to free reports : In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall : ( A ) Disclose to the consumer that they may request a free copy of their file pursuant to section 1681j ( d ) of this title.

Be advised that I will CC : The Bureau of Consumer Financial Protection ( CFPB ) The Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX ( XXXX  ) The Attorney General 's Office in your state and mine Thank you, XXXX XXXX Enclosures : Copy of ID Utility bill showing proof of address Copy of Social Security Card FTC Identity Theft Report