Consumer complaint received 2024-02-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am wrong to inform you that I have been a victim of identity the. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief.

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card. 

To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : XXXX. XXXX / XXXX a. Account Number - b. Date Opened - XX/XX/XXXX XXXX XXXX- {$54000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account Number - b. Date Opened - XX/XX/XXXXXXXX c. Balance 0 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX/ a. Account Number - b. Date Opened - XX/XX/XXXX ` c. Balance- {$14000.00} d. XXXX XXXX- {$15000.00} and {$15000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Account Number - b. Date Opened - XX/XX/XXXX ` XXXX XXXX {$71000.00} d. XXXX XXXX- {$71000.00} XXXXXXXX XXXX XXXX XXXX a. Account Number b. Date Opened - XXXX XXXX XXXX {$15000.00} d. XXXX XXXX {$14000.00} XXXX. XXXX XXXX a. Account Number - b. Date Opened - XX/XX/XXXX ` XXXX XXXX {$71000.00} d. XXXX XXXX- {$71000.00} XXXX. XXXX XXXX a. Account Number - b. Date Opened - XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX  - {$20000.00} Enclosed with this letter are copies of the following documents, which support my claim of identity theft : A copy of my identity theft report or a police report indicating that I have been a victim of identity Theft. Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

list of the fraudulent accounts and inquiries as listed above. 
Under Section XXXX of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within XXXX business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies. 

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained. 

Thank you for your prompt attention to this serious manner. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft. 

Should you require any additional information or documentation from my end, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In accordance with consumer Law these accounts have been investigated. they are found to be incomplete and inaccurate. The open date, date of last activity, account numbers and much more are incorrect.

According to 15 USC 1681i ( 5 ) they are supposed to modify or delete accounts that are not reporting correctly. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 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 information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

( d ) Exception for resellers.

( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.

( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.

( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.