Consumer complaint received 2025-01-04 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:
Re : Request to Reinvestigate & Delete Accounts Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt XXXX  lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
A consumer report is defined as the following, under the Fair Credit Reporting Act : ( d ) CONSUMER REPORT.

( 1 ) IN GENERAL.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

It is important to note that the items above have NOT mentioned the use of FICO, which is literally the scoring system used by YOUR AGENCY to judge me as a consumer. FICO is not included in the consumer report and is a factor your agency has taken upon themselves in the role your agency has assumed, per the Fair Credit Reporting Acts Congressional findings section which states the following : ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Because consumer reporting agencies like your agency have assumed this vital role, Congress explained how it is important to respect the consumers right to privacy as stated in the following : ( 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.

Furthermore, it is important to be aware of the Fair Credit Reporting Acts EXCLUSION section in my explanation of HOW and WHY these items should be DELETED. The exclusion section says the following : ( 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 ; The Fair Credit Reporting Act ( FCRA ) CLEARLY explains that both TRANSACTIONS and EXPERIENCES between the consumer and the person making the report are to be EXCLUDED or NOT INCLUDED on a consumer report. I am the consumer and a person is defined as the following under the FCRA : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
This term person includes both your agency and any entity thats reported as the furnisher of the information that appears on my consumer report. Essentially, ALL the items I am disputing fall under this category of what is to be EXCLUDED from my consumer report. 
PERSONAL INFORMATION DISPUTE : I am demanding that your agency correct these personal items of information, and remove the incorrect items of information. 
1. My FULL NAME is listed above, Please remove all other name variations IMMEDIATELY. They are not accurate!

2. My current address is listed above, Please remove all other addresses IMMEDIATELY. They are not accurate!

3. My social security number is listed above, please remove the inaccurate social security number variation ( s ) IMMEDIATELY. It is not Accurate!

4. My Date of Birth is listed above, please remove all other Date of Birth ( s ) IMMEDIATELY. It is not Accurate! 
INACCURATE INFORMATION DISPUTE : The items I am disputing are as follows : Creditor : XXXX XXXXXXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Account Number XXXX XXXX Creditor XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 
Inquiry : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX : XXXX. XXXX, XXXX Inquiry : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXXnquiry Date : XXXX XXXX, XXXX Reason : This hard inquiry was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. 
This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! 
( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Additionally, your agency has violated my consumer rights and violated federal law under the permissible purposes section ; theres proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below : 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, the law clearly states : ( 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.

I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 
I am DISTRESSED that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ).

I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize.

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2, the law clearly states : ( a ) BLOCK 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 dat
e 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 provided all 4 pieces of information and expect these listed accounts above to be deleted and blocked within four business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again!

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