Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX RE : Requesting you to Permanently Block and Remove Any Fraudulent Items Listed from My Consumer Report I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/Identity Theft. I contacted the Federal Trade Commission and Filed a FTC Identity Theft Report ; Report Number : XXXX ; Which is attached. 
PLEASE BLOCK AND REMOVE ALL INFORMATION FROM MY CONSUMER/CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY NEW REPORT AFTER Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
Fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1.Defamation of Character 2.Negligent Enhancement of Identity Fraud 3.Violation of The Fair Credit Reporting Act ( FCRA ) 4.Violation under 15 U.S. Code 1681o - Civil liability for negligent non-compliance 5.Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance 6.Failing to Comply with 15 U.S. Code 1692 ( g ) 7.Violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports 8.Under 15 U.S. Code 1681i ( 7 ) - Method of verification I expect this letter to be taken VERY SERIOUSLY and I DEMAND this fraudulent account be blocked and removed from my report as I have provided you with the required pieces of information.

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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 7-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
1. **Inaccuracy in Reporting** : The account information is not consistent with the records I have from the creditor. The dates, amounts, or status of the charge-off do not match my records.

2. **Compliance with Metro 2 Guidelines** : The reporting of this charge-off does not comply with the standards set by the Consumer Data Industry Association ( CDIA ) for the Metro 2 Format. Inaccurate or incomplete data reporting is a violation of these guidelines.

3. **Fair Credit Reporting Act Violations** : Under the FCRA, specifically Section 611, consumers have the right to dispute inaccurate information on their credit reports. These collection/charge-offs are not substantiated by accurate records and should be removed to ensure compliance with federal laws. 
If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the fraudulent accounts from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law. 
On top of information being invalid and fraudulent. I have reported and disputed it multiple times, even called the companies involved and tried to plead with them to remove it. The information is not mine, and I explained that to the credit companies and bureaus. It is negatively affecting my credit and consumer profile to the point where I cant even get a bank account, a credit card, a loan, even as much as an auto loan myself. I have no car and can't get one because of this information.

I dont recognize the following inquiries in question. Im a victim of identity theft and I dont recognize this information on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

REMOVE THESE ACCOUNTS IMMEDIATELY! THEY HAVE NO REASON TO BE ON MY CREDIT. And are affecting my livelihood very negatively. 
Enclosed, please find copies of relevant documents to support my claim ( US Passport, Utility Bill, Paystub & FTC Report ). 
I appreciate your prompt attention to this matter and expect a resolution within the 4-day period stipulated by the FCRA. Please confirm the removal of this fraudulent information and send me an updated copy of my credit report once the investigation is complete.

Thank you for your assistance. 
Sincerely, XXXX XXXX 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