Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Do not send me a computer-generated letter to my house If you do I will seek ligation This is not a third party company this is XXXX XXXX . I am addressing a matter of significant concern regarding my credit report. Upon reviewing the information contained within, I have discovered several discrepancies that I believe require immediate attention. It has come to my attention that certain accounts listed on my credit report do not belong to me, and their inclusion is not only inaccurate but also violates my rights as a consumer. Allow me to elaborate on the specific issues I have identified and the laws that support my claim : **15 U.S Code 1681a ( 4 ) - Consumer Right to Privacy : ** The presence of fraudulent accounts on my credit report constitutes an intrusion into my privacy rights. I firmly believe that I have the sole authority to determine what information is private and should be shared on my credit report. **FDCPA 807 - Misleading False Reporting : ** RE : You violated the United States Code of Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. 



15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report This law clear states that transactions are not included in a consumer report. So demand that all late payments be removed from my consumer report because this is a clear violation of my rights FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 



15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable by up to {$1000.00} per violation. 



18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 



15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I could exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. 



FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. 

Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). You telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive. 



15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

There is no law that says I have to pay a bill. 

( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 

This company sent letters to me with a LOGO on them instead of their address. That is a SYMBOL that they are a debt Collection business. 



15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. 

( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 



Under 15 USC 1681s-2, this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. 



I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX  that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities. 



FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. 



Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. 

These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 



15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally. 




15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, or FDCPA does it define a Late Payment, yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 

15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 



15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached is my consumer report as an exhibit. 



15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 



15 U.S. Code 1692g - Validation of debts I am XXXX XXXX original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so, therefore, I am the original creditor. These debts don't exist, they must be removed. 



15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft I am XXXX XXXX natural person who did not consent to, authorize or benefit from any of the following inquiries OR accounts. 



They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my attached invoice. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX Experian data breach/ identity theft. All are being investigated by the FTC and CFPB. 

According to FCRA 605B, this information must be blocked immediately until the investigation is over. 



Also, 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. 



Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. 



****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. 

I demand that the following account be verified or removed immediately : Under 15 USC 1681b - the permissible purpose of consumer reports THE LAW CLEARLY STATES The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. Under 15 US Code 1681e ( b ) and 15 Us Code 1681b In accordance with the written instructions of the consumer to whom it relates and a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under 15 US Code 1681e ( b ) and 15 Us Code 1681b In accordance with the written instructions of the consumer to whom it relates and a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.

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