Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 







The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX - XX/XX/XXXX -. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -. 

XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -. 

XXXX XXXX - XX/XX/XXXX My identity has been stolen you are hereby put on notice. 

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) In general.

Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 



An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 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. 



YOU XXXX have aided this Fraud by not verifying these accounts. 



Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 



List of Accounts : XXXX XXXX - XXXX - please verify by providing color copy of my ID wet signature of original contract or immediately remove XXXX XXXX XXXXXXXX - XXXX - please verify by providing color copy of my ID wet signature of original contract or immediately remove XXXX. Incorrect Name - XXXX XXXX XXXX - 15 U.S. Code 6801 - Protection of nonpublic personal information XXXX. Incorrect DOB - XX/XX/XXXX - 15 U.S. Code 6801 - Protection of nonpublic personal information XXXX. Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of theconsumer ; ( XXXX ) a copy of anidentity theft report ; ( XXXX ) the identification of such information by theconsumer ; and ( XXXX ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. 





I have attached all the relevant documents pursuant the above Section of the law. 

I demand all the above Fraudulent accounts DELETED immediately. 

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which aconsumer reporting agencyincludes afraud alertin thefileof aconsumerpursuant to this subsection, theconsumer reporting agencyshall ( A ) disclose to theconsumerthat theconsumermay request a free copy of thefileof theconsumerpursuant tosection 1681j ( d ) of this title ; and Thank you, 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