Consumer complaint received 2023-09-27 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 



XXXX XXXXXXXX XXXX  XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XX/XX/XXXX - no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C . 1681 XXXX XXXX-no permissible purpose / no written consent aggravated identity theft violation of FCRA 15 U.S.C. 1681 XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, OH XXXX Reported for : OVERDRAFTS Date of closure : XX/XX/XXXX RTN / ACCT # : XXXX / XXXX Charge off amount : {$1300.00} Source of information : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, OH XXXX Reported for : OVERDRAFTS Date of closure XXXX RTN / ACCT # : XXXX / XXXX Charge off amount : {$1500.00} Source of information : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX Reported for : ACCOUNT ABUSE Date of closure : XX/XX/XXXX RTN / ACCT # : XXXX / XXXX Source of information : XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Reported for ; ACCOUNT ABUSE Date of closure : XX/XX/XXXX RTN / ACCT # : XXXX Charge off amount : {$3900.00} XXXX : XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX Date ; XX/XX/XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Date ; XX/XX/XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX Date ; XX/XX/XXXX XXXX ; XXXX XXXX A PART OF EXPERIAN XXXX XXXX XXXX XXXX, XXXX TEXAS XXXX TX XXXX On Behalf Of ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX SD XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX - {$2500.00} XXXX XXXX XXXX XXXX  XXXX XXXX - {$3600.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - {$3500.00} XX/XX/XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX

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