Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally address the discovery of fraudulent activity on my consumer report. After reviewing a recent copy, I discovered that I have been a victim of identity theft. I found an unauthorized account with XXXXXXXX XXXX XXXX  on my credit report. I did not open or authorize this account, meaning my identity was stolen, and this fraudulent account was placed on my report without my consent. I am requesting the immediate removal of this account. 

This situation constitutes a direct violation of federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which explicitly prohibit the unauthorized use of another persons identifying information. Such offenses are considered felonies, punishable by up to two years of imprisonment, in addition to civil liabilities.

Unauthorized Account & Legal Violations During my review, I identified an account on my consumer report that I did not open, authorize, or recognize. At no point did I provide written authorization for this account to be included on my report, which is required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies are only permitted to furnish reports under specific circumstances, such as : When the consumer initiates the transaction.

When the consumer provides written consent.

Since I never authorized this account, its presence on my credit report is a direct violation of federal law.

Violation of Privacy & Coercion Additionally, the inclusion of these unauthorized accounts infringes upon my right to privacy. These false debts have been reported without my consent, exposing me to unnecessary scrutiny and potential harm. Furthermore, 15 U.S.C. 1692d explicitly prohibits using debt reporting as a means of coercion. The continued reporting of these fraudulent accounts not only violates this statute but also causes unnecessary financial and emotional distress. 

Impact on XXXX XXXX XXXX This fraudulent activity has significantly impacted my well-being, especially as I am currently in the process of purchasing a home for my family. The presence of these unauthorized accounts has disrupted this process, causing substantial anxiety and emotional strain. These inaccuracies have created unnecessary roadblocks, making it difficult for me to move forward with critical life decisions and responsibilities. 

Requested Actions To rectify this matter, I request the following actions : Immediate Removal Delete all fraudulent accounts from my consumer report.

Third-Party Notification Notify all third parties that have accessed my report about the corrections made.

Written Confirmation Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i.

If these issues are not promptly addressed, I will have no choice but to escalate my concerns by filing formal complaints with my state attorney generals office and Congress. Additionally, I reserve the right to pursue legal action to protect my rights and seek compensation for the damages caused. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of these actions.

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