Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : XXXX, Experian, XXXX From : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am submitting this formal complaint to demand immediate action regarding the removal of unauthorized accounts and the cessation of extortionate practices associated with the reporting of inaccurate and fraudulent information on my credit report. Despite complying with all federal requirements under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), including submitting my FTC Identity Theft Report, proof of address, drivers license, and Social Security number , the credit reporting agencies continue to fail in their obligation to protect my rights as a consumer. 
Unauthorized Accounts : The following accounts must be removed immediately as they were reported without my informed consent and in violation of federal law : XXXX. XXXX XXXX XXXX : Account XXXX XXXX with unverifiable and inaccurate data, and no documentation validating its legitimacy. 
XXXX. XXXX XXXX XXXX : Account XXXX XXXX to collect using extortionate and fraudulent practices, with no substantiation provided for its validity. 
Legal Violations and Implications The continued reporting of these unauthorized accounts constitutes egregious violations of federal law and my constitutional rights : 1. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Credit reporting agencies must block disputed information within four business days of receiving sufficient proof, which I have already provided.

15 U.S.C. 1681e ( b ) : Agencies must maintain maximum possible accuracy in credit reports, which they have failed to do by retaining inaccurate and unverified data.

15 U.S.C. 1681n : Willful noncompliance with the
FCRA exposes these agencies to statutory damages, punitive damages, and actual damages.

2. Extortionate Practices ( 18 U.S.C. 894 ) : The attempts to collect or enforce false debt obligations by XXXX XXXX XXXX and XXXX XXXX XXXX constitute extortion, punishable by fines and up to 20 years imprisonment. 
3. Aggravated Identity Theft ( 18 U.S.C. 1028A ) : Reporting unauthorized accounts under my name without my consent is a direct violation of federal identity theft statutes. 
4. Constitutional Violations : Fifth and Fourteenth Amendments : Depriving me of due process by failing to address my disputes in a timely and lawful manner.

Fourth Amendment : The unauthorized use and reporting of my personal information violate my constitutional right to privacy.

Demand for Immediate Action I demand the following corrective actions within 7 calendar days of receiving this complaint : XXXX. Immediate Removal of Unauthorized Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX must be permanently removed from my credit reports across all bureaus. 
XXXX. Written Confirmation of Compliance : I request a formal letter confirming that these accounts have been deleted and will not be re-reported in the future.

3. Cease Extortionate Practices : Both agencies must cease any collection activities related to these accounts immediately.

Accountability and Escalation The responsibility for these unlawful actions lies not only with the credit reporting agencies but also with their back-office dispute resolution and fraud departments, whose willful negligence has directly contributed to these violations. If this matter is not resolved promptly, I will escalate this issue by : Filing additional complaints with the CFPB, FTC, and state attorney general. 
Reporting these actions to the IRS as fraudulent underreporting and mismanagement of canceled debt.

Seeking legal remedies under FCRA, RICO Act, and other applicable laws, holding both the companies and individual decision-makers accountable for their roles in these violations.

Conclusion The credit reporting agencies failure to act not only violates federal law but also constitutes a severe and ongoing harm to my financial reputation. This is your final opportunity to rectify these errors before I pursue all available legal and regulatory actions.

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