Consumer complaint received 2024-03-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX To Whom It May Concern : Opportunity to cure Notice to agent is notice to principal notice to principal is notice to agent.

You have no respect for the law and its provisions! I was reading a letter from the CFPB to congress and in that letter it stated that the nation consumer reporting agencies acts like they are above the law but your not.

Just like every other consumer reporting agencies you must follow FCRA guidelines and when you fail to follow them best believe I will be read to file my lawsuit against you!

I will address this matter one more time, I am a victim of identity theft! 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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.

I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Why wasnt this information blocked?

This inaccurate information has caused severe financial ( Missed opportunities ) stress on my family. I am unable to open lines of credit to better my financial circumcise, the reporting of these alleged identity theft account/s has violated my consumer rights! 15 USC 6801 and 15 USC 6802. This is deceptive reporting is not fair or equitable to me.

I expect all accounts that have this Alleged identity theft to be delete.

Please send me an updated copy of my consumer reports 10 days from today XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Opportunity to cure Notice to agent is notice to principal notice to principal is notice to agent.

You have no respect for the law and its provisions! I was reading a letter from the CFPB to congress and in that letter it stated that the nation consumer reporting agencies acts like they are above the law but your not.

Just like every other consumer reporting agencies you must follow FCRA guidelines and when you fail to follow them best believe I will be read to file my lawsuit against you!

I will address this matter one more time, I am a victim of identity theft! 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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.

I have attached all the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Why wasnt this information blocked?

This inaccurate information has caused severe financial ( Missed opportunities ) stress on my family. I am unable to open lines of credit to better my financial circumcise, the reporting of these alleged identity theft account/s has violated my consumer rights! 15 USC 6801 and 15 USC 6802. This is deceptive reporting is not fair or equitable to me.

I expect all accounts that have this Alleged identity theft to be delete.

Please send me an updated copy of my consumer reports 10 days from today XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i.

( 6 ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It & # 39 ; s really up to you how you want to use this information. 
Best regards, XXXX 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