Consumer complaint received 2024-05-19
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. (TN)

This complaint with the CFPB is not a repetition of CFPB complaint XXXX but rather a newly filed complaint supported by compelling evidence provided by XXXX. This evidence demonstrates that I was a victim of severe fraudulent transactions, a direct result of identity theft in XXXX. These fraudulent transactions, which I did not authorize, affected six significant credit accounts, including XXXX, in the same manner and during the same period. For almost five years, XXXX, as a provider of information, knowingly and willfully acted against FTC directives and CFPB guidelines, denying my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) and other applicable regulations. After four separate disputes, letters, FTC filings, and CFPB filings, " XXXX '' from the " Executive Office of Customer Advocacy '' responded to my CFPB complaint XXXX on XX/XX/XXXX, solely focusing on the fact that the account in question, where the fraud occurred due to identity theft, was one for which I applied, received, and held credit. However, this was not the essence of my complaint, which was related to fraud committed due to identity theft while I was the account holder. XXXX 's documents support that they have knowingly and willfully caused deliberate financial harm and emotional trauma to me. Please refer to the attached documents for evidence, including threats and retaliatory actions taken by XXXX in response to my complaint and collusion and retaliatory actions by their soon-to-be parent company, XXXX XXXX. On XX/XX/XXXX, I sent XXXX a file via USPS certified receipt POD containing a two-page dispute letter, copies of FCRA 605B ( 15 U.S.C. 1681c-2 ) as well as Obligations of Furnishers under FCRA, along with all citations, four forms of ID verification, and copies of XXXX billing documents identifying proof of the fraudulent transactions not authorized by me. 
I regret to inform you that there seems to be a discrepancy in the listed transactions, with multiple payments being made and returned without my authorization or knowledge. Specifically, on XX/XX/XXXX, a payment of {$900.00} was made and subsequently returned on XX/XX/XXXX. Similarly, a payment of {$500.00} made on XX/XX/XXXX, was returned on XX/XX/XXXX. Moreover, two payments of {$92.00} each made on XX/XX/XXXX, were returned on XX/XX/XXXX and XXXX, XXXX. Furthermore, payments totaling {$180.00} made on XX/XX/XXXX, were returned on XX/XX/XXXX and XXXX, XXXX. These unauthorized returns have resulted in a substantial discrepancy between my credit limit of {$1500.00} and the current balance of {$3000.00}, which comprises the unauthorized returns and fraudulent transactions, including {$1400.00} on XX/XX/XXXX. Despite these irregularities, I have not received any alerts or notifications from XXXX or XXXX XXXX. I seek your urgent assistance in investigating and rectifying these unauthorized transactions to ensure the security and integrity of my accounts. A phone call to verify or inquire, not one denial. Further, during the investigation, XXXX XXXX clearly stated it was Not My voice, not my number, or any domestic number, nor did I profit in any way from this fraud, which the Police department also verified. Why would XXXX allow multiple payments, long past posted, to be sent back? Without even verifying with me? And under what logical cause? This fraud due to identity theft amounted in total to over {$12000.00}, and I filed the police report, I filed the FTC, and the CFPB complaints. XXXX XXXX and the police department determined I had no prior knowledge of, nor was I involved in, the activity under investigation. It has been determined that the operation is well-known to investigators for previous fraudulent activities conducted overseas. 

Kindly review the attached documents and promptly remove the inaccurately reported fraudulent account resulting from identity theft. This serves as my final request concerning XXXX, Experian, and XXXX XXXX from XXXX. Should they persist in reporting after five years as an act of retaliation, they should be aware that in such cases of willful non-compliance with the law, the company or companies can be held accountable for actual or statutory damages, punitive damages, and may also be responsible for all attorney 's fees.