Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MN)

Personal Statement My personal information and identity has been used fraudulently to obtain Credit from XXXX XXXX XXXX account XXXX i also have unauthorized inquiries that was done without my consent knowledge or permission heres a list of unauthorized inquiries : 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 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 All the above inquiries and accounts and address are fraudulent and unauthorized and must be removed from my credit report with XXXX XXXX And Experian with respect for the law under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) remove please I have a credit Card account on my credit report From XXXX XXXX XXXX XXXX account # XXXX, Opened on the date of XX/XX/XXXX. This account does not belong to me and is a result of identity theft which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Have contacted XXXX XXXX XXXX & Spoke With .. Whos is a repersentive in the. Department, she has informed me that the address XXXX XXXX XXXX XXXX XXXX IL XXXX was the address on file on the account. That address does Not belong to me & has NEVER Belonged to me, which in fact proves that this account also does not belong to me. Please remove this account from my credit report as soon as possible as this is hindering my credit approval eligibility. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information.

15 U.S. Code 1681e - Compliance procedures these inquiries was done fraudulent and was not in compliance with the FCRA 15 U.S. Code 1692g - Validation of debts I have contacted XXXX XXXX XXXX 2 months ago and they did not send me anything to Validate this account. 

( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o this title is mailed or delivered to the being that I had no idea of this account from XXXX XXXX XXXX because it was fraudulent this should not been reported on my credit as a late this is a violation of the FCRA consumer not later than 21 days before the payment due date. 

I HAVE NOT BEEN SUPPLIED WITH PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED ACCOUNT nor any debt. NOR THEREFORE ald ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 Enclosed is documentation supporting my request : FTC Report Identification Bank Statement for address Verification, SSN CARD, State ID, affidavit for CFPB can act as me in this matter, Credit report. 

Please investigate this matter and delete these inquiries and XXXX account and fraudulent address XXXX XXXX XXXX XXXX XXXX Illinois XXXX as soon as possible. 
Sincerely, XXXX XXXX Personal Statement My personal information and identity has been used fraudulently to obtain Credit from XXXX XXXX XXXX account XXXX i also have unauthorized inquiries that was done without my consent knowledge or permission heres a list of unauthorized inquiries : 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 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  All the above inquiries and accounts and address are fraudulent and unauthorized and must be removed from my credit report with XXXX XXXX And Experian with respect for the law under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) remove please I have a credit Card account on my credit report From XXXX XXXX XXXX XXXX account # XXXX, Opened on the date of XX/XX/XXXX. This account does not belong to me and is a result of identity theft which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Have contacted XXXX XXXX XXXX XXXX Spoke With .. Whos is a repersentive in the. Department, she has informed me that the address XXXX XXXX XXXX XXXX XXXX IL XXXX was the address on file on the account. That address does Not belong to me & has NEVER Belonged to me, which in fact proves that this account also does not belong to me. Please remove this account from my credit report as soon as possible as this is hindering my credit approval eligibility. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information.

15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1692g - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A creditXXXX 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 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 XXXXea of this account from XXXX XXXX XXXX because it was fraudulent this should not been reported on my credit as a late this is a violation of the FCRA consumer not later than 21 days before the payment due date. 

Enclosed is documentation supporting my request : FTC Report Identification Bank Statement for address Verification Please investigate this matter and delete as soon as possible. 
Sincerely, XXXX XXXX Personal Statement My personal information and identity has been used fraudulently to obtain Credit from XXXX XXXX XXXX account XXXX i also have unauthorized inquiries that was done without my consent knowledge or permission heres a list of unauthorized inquiries : 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 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 All the above inquiries and accounts and address are fraudulent and unauthorized and must be removed from my credit report with XXXX XXXX And Experian with respect for the law under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) remove please I have a credit Card account on my credit report From XXXX XXXX XXXX XXXX account # XXXX, Opened on the date of XX/XX/XXXX. This account does not belong to me and is a result of identity theft which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Have contacted XXXX XXXX XXXX XXXX Spoke With .. Whos is a repersentive in the. Department, she has informed me that the address XXXX XXXX XXXX XXXX XXXX IL XXXX was the address on file on the account. That address does Not belong to me & has NEVER Belonged to me, which in fact proves that this account also does not belong to me. Please remove this account from my credit report as soon as possible as this is hindering my credit approval eligibility. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information. 

15 U.S. Code 1681e - Compliance procedures these inquiries was done fraudulent and was not in compliance with the FCRA 15 U.S. Code 1692g - Validation of debts I have contacted XXXX XXXX XXXX 2 months ago and they did not send me anything to Validate this account. 

( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o this title is mailed or delivered to the being that I had no idea of this account from XXXX XXXX XXXX because it was fraudulent this should not been reported on my credit as a late this is a violation of the FCRA consumer not later than 21 days before the payment due date. 

I HAVE NOT BEEN SUPPLIED WITH PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED ACCOUNT nor any debt. NOR THEREFORE ald ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY XXXX XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO - 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ) Prove this is reported on my credit report illegally and is subject to a legal procedure 1942 civil suit. the information is a Violation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer, Here 's an analysis of the inconsistencies and potentially incomplete information in the credit reports from XXXX XXXX Experian, and XXXX XXXX these inquiries are fraudulent and was put on my credit report without my consent permission nor my knowledge please remove them immediately, plus this has not been verified under 15 U.S. Code 1692g - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. However theres many inaccuracies on my credit report from XXXX XXXX XXXX XXXX account thats being reported by XXXX XXXX and Experian which is a Violation under 15 U.S. Code 1681e - Compliance procedures ( b ) AccURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( C ) DISCLOSURE OF CONSUMER REPORTS BY USERS ALLOWED A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 
Enclosed is documentation supporting my request : FTC Report XXXX Bank Statement for address Verification, SSN CARD, State ID, affidavit for CFPB can act as me in this matter, Credit report. 

Please investigate this matter and delete these inquiries and XXXX account and fraudulent address XXXX XXXX XXXX XXXX XXXX Illinois XXXX as soon as possible. 
Sincerely, XXXX XXXX Personal Statement My personal information and identity has been used fraudulently to obtain Credit from XXXX XXXX XXXX account XXXX i also have unauthorized inquiries that was done without my consent knowledge or permission heres a list of unauthorized inquiries : 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 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 All the above inquiries and accounts and address are fraudulent and unauthorized and must be removed from my credit report with XXXX XXXX And Experian with respect for the law under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) remove please I have a credit Card account on my credit report From XXXX XXXX XXXX XXXX account # XXXX, Opened on the date of XX/XX/XXXX. This account does not belong to me and is a result of identity theft which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Have contacted XXXX XXXX XXXX XXXX Spoke With .. Whos is a repersentive in the. Department, she has informed me that the address XXXX XXXX XXXX XXXX XXXX IL XXXX was the address on file on the account. That address does Not belong to me & has NEVER Belonged to me, which in fact proves that this account also does not belong to me. Please remove this account from my credit report as soon as possible as this is hindering my credit approval eligibility. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information.

15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1692g - Validation of debts ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) o this title is mailed or delivered to the being that I had no idea of this account from XXXX XXXX XXXX because it was fraudulent this should not been reported on my credit as a late this is a violation of the FCRA consumer not later than 21 days before the payment due date. 

Enclosed is documentation supporting my request : FTC Report Identification Bank Statement for address Verification Please investigate this matter and delete as soon as possible. 
Sincerely, XXXX XXXX Personal Statement My personal information and identity has been used fraudulently to obtain Credit from XXXX XXXX XXXX account XXXX i also have unauthorized inquiries that was done without my consent knowledge or permission heres a list of unauthorized inquiries : 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 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 All the above inquiries and accounts and address are fraudulent and unauthorized and must be removed from my credit report with XXXX XXXX And Experian with respect for the law under 15 U.S.C 1681 et seq. 15 U.S.C 16815-2 ( B ) remove please I have a credit Card account on my credit report From XXXX XXXX XXXX XXXX account # XXXX, Opened on the date of XX/XX/XXXX. This account does not belong to me and is a result of identity theft which is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I Have contacted XXXX XXXX XXXX XXXX Spoke With .. Whos is a repersentive in the. Department, she has informed me that the address XXXX XXXX XXXX XXXX XXXX IL XXXX was the address on file on the account. That address does Not belong to me & has NEVER Belonged to me, which in fact proves that this account also does not belong to me. Please remove this account from my credit report as soon as possible as this is hindering my credit approval eligibility. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. and send the required notifications to all furnishers of this information. 

15 U.S. Code 1681e - Compliance procedures these inquiries was done fraudulent and was not in compliance with the FCRA 15 U.S. Code 1692g - Validation of debts I have contacted XXXX XXXX XXXX 2 months ago and they did not send me anything to Validate this account. 

( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( in ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by