Consumer complaint received 2024-01-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XXXX XXXX Date : XX/XX/2023 Account # XXXX XXXX XXXX XXXX, NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT. Iam following up for the 5th time And complaint for this unverified account the past complaint # was XXXX My consumer report has been linked to identity theft, and I never provided written authorization, including a wet signature, for its Inclusion. I recently communicated with your organization about this concerning matter, and I am formally requesting the prompt blocking and removal of this unverified XXXX account today from my credit report. Its presence has caused a significant emotional and financial distress, harming me as it Inaccurately represents my credit history and responsibilities, In all my Financial Health. I have sent multiple letters to Experian regarding this quadrillion account and receive no validation. Attested is complete right here you will see the certified mill receipt that was sent to Experian about this matter. You will also see my identity theft report that was filed and completed for this identity theft that is hindering my financial growth If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. This fraudulent item on my credit record has hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my large family. I have already started looking at consumer attorneys that work on a contingency. Your timely intervention would not only rectify my current predicament but also restore my trust in the regulatory mechanisms that uphold consumer rights within our nation. I have been impacted by Identity theft and know how it feels to be victimized. I deeply appreciate your attention to this matter and extend my gratitude for your commitment to establishing an equitable and impartial financial system for all consumers. I have completed all necessary documents and proceedings to address this fraudulent account, I have attached my FTC Identity theft report, here today in this here CFPB complaint for you to view. All Experian has done is said that the account was verified and reporting correctly when this is truly misleading. I am reaching out to you one more time here today. You have 48 hours after receiving this document to comply and delete this account at once, to uphold your responsibilities.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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you ( Experian ) any written consent to report anything on my consumer report, No No Consent is Identity Theft. I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following account. This XXXX XXXX XXXX account is inaccurate, please block and remove it. I already filled out a FTC report XXXX XXXXXXXX. I have been taken advantage of even after doing property steps to insure my rights are not being violated like Contacting CFPB and other agencies to help. XXXX, I would like remind you that reporting false information is very misleading. And now you are in violation because you did not witness me sign for this false and unverified account XXXX XXXX account, so you can't actually verify that this XXXX XXXX XXXX XXXX XXXX Is accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.You are liable for all damages that I suffered and will suffer, because of your illegal activities in this matter .. Once again I will mention .... **IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THIS ACCOUNT HAS BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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