Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX*Re : CFPB COMPLAINT REGARDING IDENTITY THEFT AND NON-COMPLIANCE** Dear CONSUMER FINANCIAL PROTECTION BUREAU, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft committed by XXXXXXXX XXXX XXXX and the subsequent non-compliance with federal laws governing the reporting of consumer information. This complaint concerns the unauthorized furnishing of information on my consumer report, particularly the account sold to XXXX XXXX XXXX for collections. 

**Incident Details : ** 1. **Opt-Out Letter : ** On XX/XX/XXXX, I submitted a legally binding Opt-Out letter to XXXXXXXX XXXX XXXX  revoking all verbal and non-verbal written consent for the furnishing of my consumer information on my credit report.

2. **Identity Theft and Non-Compliance : ** Despite my legal notice, XXXX XXXX XXXX willfully ignored the Opt-Out letter and proceeded to sell the account to XXXX XXXX XXXX for collections . This action is in direct violation of 15 U.S. Code Statute 1681 and the procedures outlined in Section 605B regarding identity theft. 

3. **Failure to Block Information : ** XXXX XXXX XXXX failed to comply with 15 U.S. Code 1681c2 , which mandates the blocking of reporting any information resulting from alleged identity theft. The sale of the account to XXXX XXXX XXXX further demonstrates a complete disregard for federal law. 

**Relevant Laws and Violations : ** Legal Violations : 1. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : XXXX failed to comply with my Opt-Out notice, resulting in unauthorized furnishing of my information. 
2. 15 U.S. Code 1681 - Identity Theft : XXXX engaged in identity theft by willfully ignoring my legal notice and selling the account for collections. 
3. 15 U.S. Code 1681c2 - Block of information resulting from identity theft : XXXX XXXX XXXX, XXXX, XXXX, and Experian failed to block information identified as resulting from alleged identity theft within the mandated time frame.

Requested Actions : 1. Immediate Removal : I request the immediate removal of the account related to the identity theft from my credit reports by XXXX XXXX, and Experian. 
2. Investigation : I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the actions of XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Experian to determine the extent of identity theft and FCRA violations. 
3. Penalties : If the investigation confirms identity theft and FCRA violations, I request the imposition of appropriate penalties against XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Experian to ensure accountability and deter similar actions in the future. 
4. Compensatory Damages : In lieu of immediate removal, I request compensatory damages of {$1000.00} for every day that the account has been on my credit report, as allowed by law.

I have attached supporting documentation, including the Opt-Out notice, evidence of XXXX XXXX non-compliance, and communications related to the sale of the account. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights and holds the responsible entities accountable. 
Sincerely, XXXX XXXX Enclosures : -Proof Of ID -Identity Theft Report -Copy Of Initial Opt-Out Notice From XX/XX/XXXX -Identification of Such Information In Dispute