Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Re : Address Dispute to Confirm Identity - XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX " the Complainant '' ), recently received an " Important Information '' email notification from Experian dated XX/XX/XXXX, regarding a message concerning my Experian credit report, as part of your fraud protection efforts. Experian has requested verification of my current mailing address, requiring : One copy of a government issued identification card, such as a drivers license, state ID card, etc. displaying my current address, and One copy of a current utility bill, bank, or insurance statement, etc. ( See Exhibit A ) However, I am deeply concerned that my Experian credit file account has been compromised unlawfully. My Experian credit file appears that someone, either individually or collectively, has tampered with my account, utilizing fictitious or identical names. In some instances, they have even changed their own legal names to match mine, in order to alter my residential address without my lawful consents. ( See Exhibit B ) This alteration occurred despite my Experian credit file account displaying the correct address as of XX/XX/XXXX ( See Exhibit C ). If a Furnisher has provided Experian with an inaccurate address, it is their duty under the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1981s-2, to furnish accurate information.

The violations of FCRA, Title 15 U.S.C. 1981s-2 are outlined as follows : A. Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer report agency, if the person knows or has reasonable cause to believe that the information is inaccurate.

B. Reporting information after notice and confirmation of error. A person shall not furnish information relating to a consumer to any consumer reporting agency if : i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) The information is, in fact, inaccurate.

C. No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( b ) shall not be subject to sub paragraph ( a ) ; however, nothing in subparagraph ( b ) shall require a person to specify such an address.

D. Definition. For purposes of subparagraph ( a ), the term reasonable cause to believe that the information in inaccurate means have specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

My online disputes with Experian, as well as the results dated XX/XX/XXXX, for report number XXXX and XX/XX/XXXX, for report number XXXX, have not been resolved by the Experian dispute department. My online disputes with Experian, as well as the results dated XX/XX/XXXX, for report number XXXX and XX/XX/XXXX, for report number XXXX, have not been resolved by the Experian dispute department. 

Moreover, I have harbor significant reservations regarding Experian 's global affiliations, particularly with countries such as XXXX and XXXX. My concerns were sparked when I had discovered that my residential address had been unlawfully altered without my consent after XX/XX/XXXX, despite it having been corrected since XX/XX/XXXX. As a citizen of the United States, I find it alarming that another country could gain online intranet connectivities and access to my personal identifiable information ( PII ) through Experian with relative ease. This situation has become even more concerning to me following the conclusion of the Covid-19 pandemic on an international scale.

Furthermore, I find myself once again grappling with issues of misinformation regarding my current address within my Experian credit file account, without any authorization or disclosure from Experian regarding the source of this misinformation. This has led me to speculate that countries like Experians XXXX and XXXX might be exploiting requests copies of my North Dakota Real ID Driver License and utility bills for their own purposes, potentially for housing and employment opportunities within the United States, thus engaging in identity espionage. 

This gradual erosion of the United States sovereignty, carried out through surreptitious means such as identity thefts and manipulations, presents a formidable challenge. It appears to align with the principles of the XXXX society, representing a subtle yet significant threat to the established order without resorting to overt acts of war. 

Navigating these complexities adds an unwelcome layer of difficulty to my life within the United States. It forces me to confront identity thefts and schemes problems aimed at undermining my place within the new world order establish under the Experian credit file community, further exacerbating the challenges, I face in safeguarding my own identity and security within the United States affiliations to the New World Order community. ( See Exhibit D )

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