Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am submitting this urgent complaint regarding fraudulent accounts and violations of federal law involving XXXX and other entities. I am a victim of identity theft, and unknown individuals have unlawfully opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. 

The fraudulent accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the following addresses and name variations do not belong to me and must be removed from my credit file : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX Name variation : XXXX XXXX Legal Violations : These accounts were initially removed from my credit report but have since been re-reported without proper notification, violating 15 U.S.C. 1692g ( Validation of Debts ). The failure to notify me of the re-reporting within the required 5-day window is a direct violation of federal law. Furthermore, discrepancies in the open dates and inconsistent reporting violate : 15 U.S.C. 1681e ( b ) ( Fair Credit Reporting Act ) - Ensuring accuracy and fairness in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Prohibiting the reporting of inaccurate information.

15 U.S.C. 1692g - Requiring timely and adequate validation of debts.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) - Criminalizing unauthorized use of personal information for fraud.

FACTA ( Fair and Accurate Credit Transactions Act ) - Allowing consumers to place fraud alerts and obtain free annual credit reports.

Florida Statute 817.568 - Addressing identity theft-related offenses in Florida.

Despite my good-faith efforts, creditors and credit bureaus have neglected their obligations under these statutes, resulting in significant harm, including damage to my creditworthiness and emotional distress.

Requested Actions : Immediate removal and permanent blocking of these fraudulent accounts from my credit report.

A full investigation into the practices of the creditors and credit reporting agencies involved.

Written confirmation of the removal and investigation results within the timelines prescribed by federal law.

Compliance with federal law to prevent further violations of my rights.

Supporting Documentation : I have enclosed the following documents to support my claims : Copy of my government-issued ID.

Copy of my Social Security card.

Police report regarding the identity theft.

Proof of my current address.

Thank you for your immediate attention to this matter. I expect a prompt response confirming corrective actions and investigations. 

Sincerely, 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