Consumer complaint received 2024-04-14 00:00:00
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.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; I XXXX XXXX XXXX XXXXXXXX Affirm XXXX, I Have no knowledge of this Account XXXX XXXXXXXX XXXX, I Have never Signed a Contract with XXXX, XXXX, I did not give any written instructions to furnish my Consumer account to XXXX, XXXX NOR XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ; In accordance with 15 U.S. Code 1681c2 ; I ORDER these accounts to be removed/Blocked immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Security Fraud ; Inaccurate from origin & Void ab initio! ; As this XXXX XXXX  XXXX, file has damaged, & Violated XXXX XXXX XXXX XXXX ; Rights to Privacy, image, name, and likenesses, reputation and also physically and Emotionally since the report appeared ; In accordance with 15 U.S. Code 1681c2 1. I have Presented Proof of Identity ; Certified Copies of my Birth Certificate ; Affirming my Giving Name, My Birthdate and Correct Age 2. A Copy of 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. 

In accordance with the Fair Credit Reporting act. XXXX, XXXX XXXX, has violated my federally protected consumer rights to privacy And Violated Multiple U.S. Codes ; 15 U.S. Code 1681 ( b ) ( 2 ) - any Consumer reporting agencies may furnish a Consumer Report under the filling circumstances and NO OTHER : in Accordance with written instructions of the Consumer to whom it relates 15 U.S.C 1681 ( a ) ( 4 ) - There is a Need to insure that Consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers rights to privacy 15 U.S. Code 1681 ( e ) ( a ) - Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

15 U.S. Code 1681 ( e ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 ) ( 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. 

For the Record ; I Request XXXX, XXXX to send proof of, if any exist ; 1. ) A Certified Copy of the Promissory Note ; Sent Registered Mail ; WITH BOTH PARTIES WET SIGNATURE ; 2. ) I request Certified Copy of The Original Contract if any exist ; Showing parties XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX. ) I request proof of Validation of XXXX, XXXX. ) Show me any Written instructions I Signed giving Authority the Mentioned Data Furnisher, Debt Collectors, Agencies, Corporations etc Authorization to Furnish my Consumer File. Within ( 30 ) Thirty Days of Receipt of Complaint ; Failure to provide Documents with My Living Signature and the Mentioned Partys Living Signature will further approve that Accounts XXXX, XXXX XXXX, is XXXX XXXX ; & Void ab XXXX! I am demanding Account names : XXXX, XXXX XXXX, Mentioned to be Deleted immediately, including any Data Furnishers, consumer reporting agencys, Corporations and XXXX partys corporations to delete all XXXX, XXXX XXXX, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation By XXXX, XXXX Pay to the order of : XXXX XXXX XXXX XXXX ; Please Mail Payment to : XXXX XXXX XXXX XXXX XXXX, Tx XXXX In Accordance with 15 U.S. Code 1611 - Criminal liability for willful and knowing violation ; Whoever willfully and knowingly ; ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

By XXXX, XXXX Pay to the order of : XXXX XXXX XXXX XXXX ; Please Mail Payment to : XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation