Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
RE : Unauthorized Fraudulent Inquiries To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

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 15 USC 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. 

The Following Inquiries are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX Date of XXXX XXXX XXXX  Date of XXXX My identity has been stolen, you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

1. IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law XXXX XXXX XXXX XXXX XXXX XXXX have aided this Fraud by not verifying these accounts. 
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 INQUIRIES DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports.

In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) Collection : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or " credit clinic. '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, which require your immediate attention and resolution. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are reporting fraudulent accounts on my credit report that do not belong to me, thus infringing upon my privacy rights. I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you are reporting falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. Such false reporting misleads future creditors. By reporting these unverified items, you violate the Fair Credit Reporting Act ( FCRA ) and fail to comply with its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.

FCRA Section 605B - Aggravated Identity Theft : You shared my personal information with numerous creditors without obtaining my consent, making you criminally liable for aggravated identity theft, which carries a penalty of up to 2 years of imprisonment.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). Reporting such inaccurate information is deceptive.

Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors.

Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft.

Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations that prohibit disclosing debt information to third parties.

Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate.

Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency.

Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 

I, XXXX XXXX, demand that you take immediate action to address these violations. I request the following actions : 1.This account needs to be validated Account Name : XXXX Account Number : XXXX XXXX account needs to be validated Account Name XXXX XXXXccount Number XXXX XXXX. .This account needs to be validated Account XXXX XXXX XXXX Account Number XXXX XXXX. .This account needs to be validated Account Name XXXX OF XXXX Account Number : XXXX Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.

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