Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
FTC REPORT # XXXX FILED AGAINST EXPERIAN, XXXX, XXXX EXEXUTIVES AGAINST, XXXX XXXX XXXX XXXX Fraudulent Credit Reporting, Unauthorized Accounts, and Multiple Statutory Violations Executor and Beneficiary : XXXX, XXXX XXXX as Executor and Beneficiary of XXXX XXXX XXXX XXXX, submit this formal report of fraudulent activity, unauthorized accounts, and statutory violations under state, federal, commercial, and criminal law. I hereby demand immediate corrective action and compliance to avoid civil liability and criminal prosecution. II. Legal Foundation for Complaint and Prosecution The fraudulent reporting, mishandling of disputes, and failure to correct inaccuracies constitute violations of the following laws : Federal Statutes : Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy., 15 U.S.C . 1681i : Failure to reinvestigate and correct disputed information., 15 U.S.C . 1681c-2 ( Section 605B ) : Failure to block fraudulent data within 4 business days of notice, 15 U.S.C. 1681n : Civil liability for willful noncompliance : 15 U.S.C. 1681o : Civil liability for negligent noncompliance. Federal Criminal Statutes-18 U.S.C. 1001 : Knowingly providing false or fraudulent information. 18 U.S.C. 1028A : Aggravated identity theft, 18 U.S.C. 1029 : Fraud related to access devices ( credit and loan accounts ), 18 U.S.C. 1341 : Mail fraud in connection with false reporting., 18 U.S.C . 1343 : Wire fraud related to electronic transmission of false data, 2. Uniform Commercial Code ( UCC ), UCC 1-308 : Reservation of rights without prejudice to dispute unauthorized claims., UCC 9-210 : Right to demand validation or removal of claims attached to personal data. 3. Code of Federal Regulations ( CFR ), 12 C.F.R. 1022.43 : Requirement for credit reporting agencies to block fraudulent information upon notice.12 C.F.R. 1022.41 : Procedures for identity theft reports and corrections. 12 C.F.R. Part 1026 : Regulation Z - Truth in Lending Act-Covers consumer protections regarding accurate disclosures, preventing fraudulent or misleading statements in financial transactions, some of which may be communicated through the mail.-12 C.F.R. 1016 : Regulation P - Privacy of Consumer Financial Information, Ensures financial institutions provide privacy protections and avoid improper disclosures that could lead to fraudulent activity, including mail fraud. Referral to federal authorities for violations 4. State Consumer Protection Statutes- Violations of applicable state statutes relating to unfair business practices, identity theft, and data reporting errors. - III. Fraudulent Accounts Disputed The following accounts and unauthorized reporting are subject to immediate correction and removal : XXXX. XXXX XXXX : Account Ending : XXXX : Incorrect " XXXX '' reporting and lack of validation. 2. XXXX : Account Ending : XXXXIssue : Fraudulent and unverifiable account reporting. XXXX. XXXX XXXX XXXX XXXX XXXX : Account Numbers : XXXX, XXXX : Invalid and unauthorized accounts. XXXX. XXXX XXXX XXXX XXXX Numbers : XXXX, XXXXIssue : Inaccurate reporting and unresolved disputes. 5. XXXX XXXX XXXX XXXX Incorrect deferred status reporting. Pursuant to the above-referenced laws, I demand the following : 1. Immediate Removal of Fraudulent Data : -Delete all disputed accounts and unauthorized credit inquiries from my file.2. Blocking of Fraudulent Information ( 605B ). Provide certified, original contracts bearing my wet-ink signature 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