Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
**Subject : Dispute of Alleged Violation of 18 U.S.C . 1029 Fraudulent Use of Access Devices** XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX : Dispute of Alleged Violation of 18 U.S.C . 1029 Fraudulent Use of Access Devices** I am writing to formally dispute an alleged violation of 18 U.S.C. 1029, which pertains to the fraudulent use of access devices, including credit card fraud, unauthorized access to systems, and other related crimes. I have recently been made aware of an issue involving my account ( s ), which I believe to be the result of a misunderstanding, fraud, or error. 

The relevant section of the statute defines a number of fraudulent actions involving unauthorized access to or use of credit, debit, or other financial devices or information. According to the law, an individual can be found in violation of this statute if they knowingly use, possess, or transfer any counterfeit or unauthorized access device with the intent to commit fraud or obtain unlawful financial gain. 

To clarify the situation, I would like to request the following : XXXX. **Clear Explanation of the Alleged Violation** : Please provide me with specific details regarding the alleged violation, including the exact nature of the incident, the involved account ( s ), dates, and any associated documentation ( e.g., transaction records, communication logs ). 

XXXX. **Evidence of Fraudulent Activity** : If the dispute involves claims of fraudulent activity on my part or involving my account ( s ), kindly provide any supporting evidence that has led to these allegations, such as transaction history or relevant correspondence. 

XXXX. **Investigation and Resolution** : If the issue involves fraudulent activity that I did not authorize, I request that your office initiate a formal investigation to determine the source and nature of the alleged offense. In the event that this is the result of a fraudulent claim, I ask that appropriate measures be taken to clear up the matter. 

XXXX. XXXX*My Position** : I categorically deny any involvement in fraudulent activities and assert that I have neither knowingly nor intentionally participated in any actions that would violate 18 U.S.C. 1029. 

Please acknowledge receipt of this dispute letter and provide a timeline for when I can expect a response or resolution. I am confident that through proper investigation and review, this matter can be resolved swiftly. 

If you need additional information or clarification from my side, please dont hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX -- - This letter is intended as a formal dispute of an allegation regarding fraudulent use of access devices under 18 U.S.C. 1029. Depending on your specific case, you may need to adjust or add details that reflect your situation more accurately.

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