Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XX/XX/XXXX VIA CFPB COMPLAINT PORTAL & CERTIFIED MAIL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX www.consumerfinance.gov/complaint Re : Consolidated Identity Theft Block Request- All Consumer Reporting Agencies Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) FTC Identity Theft Report # : XXXX Prior Report Reference # : XXXX AFFECTED CONSUMER REPORTING AGENCIES : 1. XXXX XXXX XXXX XXXX 2. Experian Information Solutions , Inc . 
3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 . XXXX XXXX 10 . XXXX XXXX ( formerly XXXX XXXX XXXX ) Dear CFPB Administrator : I am submitting this consolidated identity theft block request pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and implementing regulations at 12 C.F.R. 1022.3. I request the CFPB forward this package to all affected Consumer Reporting Agencies ( CRAs ) listed above.

LEGAL AUTHORITY FOR CONSOLIDATED SUBMISSION : 1. Federal Statutes : - FCRA 621 ( e ) [ 15 U.S.C. 1681s ( e ) ] - CFPB coordination authority - 12 U.S.C. 5493 ( b ) ( 3 ) ( A ) - CFPB complaint database requirements- 12 U.S.C. 5534 - Multiple agency coordination - Dodd-Frank Act 1013 ( b ) ( 3 ) - Consumer complaint routing 2. Federal Regulations : - 12 C.F.R. 1022.3 - CFPB coordination requirements- 16 C.F.R. 603.2 - Identity theft definitions- 12 C.F.R. 1022.42 - Reasonable investigation requirements- 12 C.F.R. 1022.43 - Direct dispute requirements 3. State Law Authority : - Miss. Code Ann. 75-24-29 - Identity theft protection- Miss. Code Ann. 97-45-19 - Identity theft criminal provisions- Miss. Code Ann. 75-24-5 ( 2 ) ( n ) - Unfair trade practices- Miss. Code Ann. 75-25-31 - Trademark and name protection I. IDENTIFICATION AND VERIFICATION Legal Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, MS XXXX SSN : XXXX XXXX : XX/XX/XXXX II. IDENTITY THEFT AND UNAUTHORIZED USE OF NAME The FTC Identity Theft Report # XXXX confirms unauthorized accounts opened using variations of my legally protected name. My sole legal name is " XXXX XXXX XXXX XXXX '' as established by : 1. Government-Issued Documentation : - Mississippi Driver 's License - Social Security card - Certified birth certificate 2. Legal Filings : - UCC filing # XXXX establishing legal name - Court dismissal with prejudice ( XXXX XXXX. XXXX Page XXXX ) 3. Protected Status : - Registered name under Miss. Code Ann. 75-25-31 - UCC-1 Lien on all assets of XXXX XXXX XXXX XXXX XXXX Common law trademark rights in personal name III. PRIOR 605B REQUEST AND IMPROPER REVERIFICATION On XX/XX/XXXX, I submitted a 605B identity theft block request ( FTC Report # XXXX ). The furnishers improperly revalidated these accounts in violation of multiple FCRA provisions : A. Violations in Initial Revalidation : 1. FCRA Statutory Violations : - 623 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ] - Duty to correct - 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] - Accuracy/completeness - 623 ( a ) ( 8 ) ( E ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ] - Investigation requirements- 615 ( f ) [ 15 U.S.C. 1681m ( f ) ] - Identity theft debt restrictions 2. Regulatory Violations : - 12 C.F.R. 1022.42 - Reasonable investigation requirements- 12 C.F.R. 1022.43 - Direct dispute obligations- 16 C.F.R. 603.2 - Identity theft victim protections B. Evidence of Improper Revalidation : 1. Experian Report ( XX/XX/XXXX ) : - " Account information disputed by consumer ( Meets requirement of FCRA ) '' - Revalidation despite valid 605B request and identity documentation - Continued reporting of unauthorized name variations 2. XXXX Report ( XX/XX/XXXX ) : - Similar improper revalidation pattern - Refusal to block despite court dismissal - Sharing of disputed information XXXX. Pattern of Misconduct : - Systematic revalidation across multiple CRAs - Failure to conduct reasonable investigation - Disregard of court order and prior disputes IV. ACCOUNTS REQUIRING IMMEDIATE BLOCK The following accounts appear under unauthorized name variations " XXXX XXXX '' or similar derivatives and must be blocked pursuant to FCRA 605B : A. Collection/Charged-Off Accounts : 1. XXXX XXXX XXXX # XXXX - Original creditor : XXXX XXXX - Unauthorized name variation used - No valid contract with legal name 2. XXXX XXXX XXXX # XXXX - Original creditor : XXXX  XXXX BANK - Court dismissal with prejudice - Case No. XXXX XXXX XXXX XXXX. XXXX # XXXX - Charged off amount : {$710.00} - Unauthorized name variation - No valid authorization 4. XXXX # XXXX - Charged off amount : {$440.00} - Identity theft reported - No valid documentation 5. XXXX XXXX # XXXX - 180+ days late notation - Unauthorized name use - Invalid contract 6. XXXX # XXXX - Charged off status - Identity theft basis - No authorization B. Delinquent/Negative Accounts : 1. XXXX XXXX XXXX # XXXX - 30-60 days late notation - Unauthorized name variation - No valid contract 2. EXTRA # xxxx # # - 30 days late notation - Identity theft basis - Invalid authorization 3. XXXX XXXX OF XXXX # XXXX - Collection notations- Unauthorized name use - No valid documentation 4. XXXX XXXX OF XXXX # XXXX - Collection notations- Identity theft reported - Invalid contract 5. XXXX BANK XXXX # XXXX - Closed status - Unauthorized variation - No authorization V. LEGAL BASIS FOR BLOCKING Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the CRAs must block this information because : A. Statutory Requirements Met : 1. Identity Documentation : - Valid government ID provided - Social Security verification - Birth certificate confirmation 2. Identity Theft Report : - FTC Report # XXXX filed - Prior Report # XXXX reference - Law enforcement documentation 3. Court Validation : - Dismissal with prejudice - XXXX XXXX. XXXX XXXX XXXX - Judicial determination 4. Supporting Elements : - No valid transactions - Unauthorized name use - Pattern of violations B. Regulatory Compliance : 1. 12 C.F.R. 1022.3 : - Proper submission format - Required documentation - Timely notification 2. 16 C.F.R. 603.2 : - Identity theft victim status - Protected categories- Blocking requirements 3. State Law Requirements : - XXXX. XXXX XXXX. XXXX- XXXX. XXXX XXXX. XXXX - Common law protections VI. LEGAL VIOLATIONS BY CRAS AND FURNISHERS A. Federal Violations : 1. FCRA Violations : - 605B blocking requirements- 623 ( a ) ( 1 ) ( B ) accuracy duties- 623 ( a ) ( 2 ) correction obligations- 623 ( a ) ( 8 ) ( E ) investigation requirements- 615 ( f ) identity theft restrictions 2. FTC Act Violations : - 15 U.S.C. 45 ( a ) - Unfair practices- 16 C.F.R. 603.2 - Identity protection - Systematic disregard of rights 3. CFPB Violations : - 12 U.S.C. 5531 - UDAAP violations- 12 C.F.R. 1022.42-43 - Investigation failures - Pattern of non-compliance B. State Law Violations : 1. Mississippi Consumer Protection : - XXXX. XXXX XXXX. XXXX ( XXXX ) ( XXXX ) - XXXX. XXXX XXXX. XXXX - Common law fraud 2. Identity Theft Provisions : - XXXX. XXXX XXXX. XXXX - Criminal law implications- Civil remedies 3. Name Protection : - XXXX. XXXX XXXX. XXXX - Common law rights - Trademark protection VII. DAMAGES AND REMEDIES A. Statutory Damages : 1. Federal Damages : - FCRA statutory damages - Actual damages- Punitive damages- Attorney fees 2. State Damages : - XXXX. XXXX XXXX. XXXX remedies - Common law damages- Punitive awards B. Injunctive Relief : 1. Blocking Requirements : - Immediate removal- Prevention of reinsertion - Notification to furnishers 2. Corrective Actions : - System updates - Policy changes - Staff training VIII. CERTIFICATION I declare under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 that : 1. All accounts listed above appear under unauthorized name variations 2. A court has dismissed collection attempts on these accounts 3. I have not conducted any transactions related to these accounts 4. The information provided in this request is true and accurate Executed on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : 1. Required Documentation : - FTC Identity Theft Report # XXXX - Prior FTC Report # XXXX - Driver 's License copy - Social Security card copy ( redacted ) - Birth certificate copy 2. Legal Documentation : - Abstract of Judgment ( dismissal with prejudice ) - UCC Filing # XXXX - Credit report excerpts showing violations - Prior dispute documentation - Revalidation evidence CC : - Office of Attorney General - Mississippi XXXX Federal Trade Commission - Identity Theft Division - Consumer Financial Protection Bureau - Enforcement Division - XXXX  Department of Banking and Consumer Finance NOTICE OF PRESERVATION OF RIGHTS : This request does not waive any rights regarding unauthorized use of my name, identity theft, unfair collection practices, or any other legal claims. All rights are explicitly preserved under federal and state law.

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