Consumer complaint received 2024-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX DOB : XX/XX/XXXX SSN : XXXX To Whom it May Concern : 15 U.S. Code $ 1681c-2 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, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX  Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : Dept of Education/XXXX  Account Number : XXXX Account Balance : {$200000.00} Date Opened : XX/XX/XXXX Account Name : US Dept . of EDXXXX Account Number : XXXX Amount : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept OF ED/XXXX Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDXXXX Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$180.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : {$4300.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account XXXX : XXXX Date Opened : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : XXXX XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX has violated my rights by reporting a late payment for XX/XX/XXXX. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as Agreed/ Never Late. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$30000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Thank You

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 non-monetary relief