Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I hope this complaint finds you well, because I am not doing well. I am XXXX out and extremely frustrated. I am writing to verify that the negative accounts on my credit report are not mine. I dont know where they came from, and there is no need to ask for validation. 
Complaint Details : I have no legally enforceable contracts or affiliations with these accounts or companies. I did not authorize these inquiries, accounts, or the posting of fraudulent personal information on my credit report. Including multiple violations of the Fair Credit Reporting Act and consumer law processes designed to protect me from illegal and unethical reporting. I expect that you thoroughly investigate that EVERY NECESSARY STEP AND PROCEDURE WAS COMPLETED BEFORE RESPONDING TO ME. IF NOT, YOU ARE OBLIGATED TO REMOVE EVERY ACCOUNT LISTED IMMEDIATELY. Consider the Fair Credit Reporting Act ( XXXX XXXX. XXXX, XXXX, and XXXX XXXX. XXXX ), which requires you to remove all of these inaccurate items from my credit report for legitimate purposes and aggravated identity theft. TAKE NOTE THAT I DID NOT AUTHORIZE THESE ACTIVITIES, AND LEGALLY REQUIRED REGULATION STEPS WERE NOT FOLLOWED. I will fight to have these violations corrected. 
15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Law and Quote : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' Explanation : The law explicitly states that a consumer report can only be furnished with the consumer 's written instructions. I did not provide written authorization for these inquiries and accounts to appear on my credit report. Therefore, the presence of this information is a violation of my rights under the FCRA. 
15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft Law and Quote : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' Explanation : According to this law, any information on my credit report resulting from identity theft must be blocked within XXXX business days upon receipt of the necessary documentation. I have provided proof that these accounts and inquiries are not related to any transaction I have conducted. Therefore, you are obligated to remove this information from my report. 
18 U.S.C. 1028A - Aggravated Identity Theft XXXX and XXXX : " 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. '' Explanation : This law addresses the severe penalties associated with aggravated identity theft. The unauthorized inquiries and accounts on my credit report suggest that my identity has been used without my consent. This constitutes aggravated identity theft, and you are required by law to remove all inaccurate information immediately.