Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than four business days after receiving this notice.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately. 

**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer.

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute.

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report. 

Please take immediate action to block these transactions from being reported to my consumer report within XXXX days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law. 

I look forward to your prompt response and the resolution of this matter. 

Sincerely,

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