Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
MY NAME IS XXXX XXXX TODAY DATE IS XX/XX/XXXX I see that there is an account reporting I did not open I would like this account to be investigated and DELETED ASAP THANK YOU ACCOUNT NAME XXXX XXXX XXXX / XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs ) Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured credit card Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX Companies involved are in violation of the LAW 18 U.S.C 1028A, aggravated identity theft.

A federal statute that is often used to prosecute federal credit card fraud cases is 18 U.S.C 1028A, aggravated identity theft. Under federal identity theft laws, it's a felony crime to use, transfer, or possess by any means the identification of another person.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part B 1644 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information U.S. Code Notes prev | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, CHAPTER 47FRAUD AND FALSE STATEMENTS Sec.

1001.Statements or entries generally.

1002.Possession of false papers to defraud United States .

1003.Demands against the United States .

1004.Certification of checks.

1005.Bank entries, reports and transactions.

1006.Federal credit institution entries, reports and transactions.

1007.Federal Deposit Insurance Corporation transactions .

[ 1008, 1009. Repealed. ] 1010.Department of Housing and Urban Development and Federal Housing Administration transactions .

1011.Federal land bank mortgage transactions.

1012.Department of Housing and Urban Development transactions .

1013.Farm loan bonds and credit bank debentures.

1014.Loan and credit applications generally ; renewals and discounts ; crop insurance.

1015.Naturalization, citizenship or alien registry.

1016.Acknowledgment of appearance or oath.

1017.Government seals wrongfully used and instruments wrongfully sealed.

1018.Official certificates or writings.

1019.Certificates by consular officers.

1020.Highway projects.

1021.Title records.

1022.Delivery of certificate, voucher, receipt for military or naval property.

1023.Insufficient delivery of money or property for military or naval service.

1024.Purchase or receipt of military, naval, or veteran 's facilities property.

1025.False pretenses on high seas and other waters.

1026.Compromise, adjustment, or cancellation of farm indebtedness.

1027.False statements and concealment of facts in relation to documents required by the Employee Retirement Income Security Act of 1974.

1028.Fraud and related activity in connection with identification documents and information.1 1028A.Aggravated identity theft.

1029.Fraud and related activity in connection with access devices.

1030.Fraud and related activity in connection with computers.

1031.Major fraud against the United States .

1032.Concealment of assets from conservator, receiver, or liquidating agent of financial institution.2 1033.Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce.

1034.Civil penalties and injunctions for violations of section 1033.

1035.False statements relating to health care matters.

1036.Entry by false pretenses to any real property, vessel, or aircraft of the United States or secure area of any airport or seaport.

1037.Fraud and related activity in connection with electronic mail.

1038.False information and hoaxes.

1039.Fraud and related activity in connection with obtaining confidential phone records information of a covered entity.

1040.Fraud in connection with major disaster or emergency benefits.

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