Consumer complaint received 2024-04-15
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. (CA)

I am a victim of identity theft. According to 15 U.S.C. 1681 ( A ) I have the right to XXXX  % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX XXXX XXXX is a fraudulent account that was opened without my authorization and according to 15 USC 1681 C-2 : BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT states : ( a ) block- A C.R.A must block the reporting information in the file of a consumer that the consumer indentifies as information that resulted from identity theft, not later than XXXX business days of after the date of receipt by such agency of - ( XXXX ) a copy of an identity theft report. My identity theft report will be provided with this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX is has an inaccurate reporting from XXXX, Experian, & XXXX regarding LATE PAYMENTS for the months XX/XX/2020, XX/XX/2020 & XX/XX/2020. According to 15 USC 1666b - Timing of payments ( a ) Time to make payments 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 XXXX ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

The reporting company can not provide me with proof that they mailed a notice of the period statement with late payment XXXX days prior to the due date reported. You have XXXX business days from the date of receiving this dispute to update all false reported late payments on my credit report. If you fail to due you will be held liable to me for statutory damages of {$1000.00} per violation as per the FCRA ( 15 U.S.C. 1681n ( a ) ( XXXX ) ( A ) ). 

I also attached my identity theft report that has all the fraudulent hard inquiries found on my Experian credit report, XXXX credit report XXXX XXXX XXXX credit report. According to ACCORDING TO 15 USC 1681 XXXX : BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT states : ( a ) block- A C.R.A must block the reporting information in the file of a consumer that the consumer indentifies as information that resulted from identity theft, not later than XXXX business days of after the date of receipt by such agency of - ( XXXX ) a copy of an identity theft report, meaning you have 4 days from the date of receiving this letter to remove the hard inquiries listed on the identity theft report attached with this letter or you will be held liable to me for statutory damages up to {$1000.00} per violation regardless of intent. 

This is not an opportunity for investigation as I have provided my identity theft report and the law states you have XXXX business days to comply with the FCRA ( Fair Credit Reporting Act ). 

My name is also reported incorrectly from Experian XXXX XXXX and according to 15 U.S.C. 1681 ( A ) I have the right to XXXX  % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


I have also attached my recent credit report to this letter, you can see all highlighted sections of the report is an inaccuracy, identify theft, or discrepancy.