Consumer complaint received 2025-03-23 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:
1. My true and correct name is XXXX XXXX XXXX XXXX!!!!! ( PLEASE REVIEW MY NEW IDENTITY THEFT REPORT WITH NEW DETAILS REGARDING THE BELOW FRAUDULENT ACCOUNTS AND MY MAIL BEING STOLEN TO MAINTAIN THESE ACCOUNTS WHICH IS ALSO A FEDERAL CRIME )!!!! I AM A VICTIM OF IDENTITY THEFT.! I AM REQUESTING A SECURITY FREEZE BE PLACED ON MY ACCOUNT IMMEDIATELY! SUPPORTING DOCUMENT FROM XXXX XXXX REMOVING INFORMATION FROM THIER SYSTEM AS WELL FOR THE FRAUD I HAVE SUFFERED WILL BE A POTENTIAL EXHIBIT IF THIS CAN NOT BE SETTLED ALONG WITH THE OTHER SUPPORTING DOCUMENTS I AM SUBMITTING TO SUPPORT ME INFORMING ALL THE FURNISHERS THAT I AM A VICTIM OF FRAUD. 

!!!! Please do not respond staying you have previously responded to these disputed accounts or that they are being disputed!!!!! 

!!!!! RESPOND HERE ON THE CFPB AND UPLOAD THE RESULTS IN YOUR DETERMINATION WITH THE CLOSING IF THIS COMPLAINT!!! 

Since in all your previous replies you have sent me no such determination that complies with the FCRA regarding the opening of fraudulent accounts and their removal. Once you have been notified of such a fraudulent account. Nor have you proven that my claim is frivolous to deny a fraud block granted by law. 



2. Pursuant to FDCPA Section 807 ( 8 ), as it appears in the United States Code : 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 



3. I personally complained and wrote to and made XXXX aware of these fraudulent accounts they also refused to comply. And in the event that they are not removed I will be seeking damages pursuant to FCRA 616 civil liability for willful non compliance.

4. Also pursuant the willful non compliance with California Civil Code 1785.16 ( k ) Which states : ( k ) ( 1 ) If the information of a consumer has been placed on file or is otherwise available at a consumer credit reporting agency and is subsequently blocked pursuant to Section 1785.16.3, the consumer credit reporting agency shall remove from its file all information that the consumer identifies as information placed on file or otherwise available as a result of identity theft.

( 2 ) A consumer credit reporting agency shall notify the person who furnished an item of information that the consumer identifies as information placed on file or otherwise available as a result of identity theft that the item has been blocked pursuant to Section 1785.16.3. 
( 3 ) A consumer credit reporting agency shall block the information pursuant to this subdivision only if the consumer submits proper identification, as defined in subdivision ( b ) of Section 1785.16.3, along with either of the following : ( A ) A copy of an identity theft report filed with a law enforcement agency pursuant to Section 530.5 of the Penal Code or a copy of a Department of Motor Vehicles investigative report made pursuant to Section 1668 of the Vehicle Code. 



5. I AM CONTACTING YOU TO HAVE MY NAME CORRECTED AND ACCURATELY REPORTED. 



6. I am also contacting you to have these fraudulent accounts removed through a fraud block mandated by law : XXXX. XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXXXXXX XXXX  Highest Balance : {$5000.00} XXXX. XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} 9. You have willfully failed to fix my true and correct name to reflect accurately on my credit report. The true and correct name on my social security card and California ID. 10. IN MY PREVIOUS DISPUTE YOU REQUESTED IDENTITY DOCUMENT AND AN IDENTITY THEFT REPORT. IN THIS
COMPLAINT I WILL BE SUBMITTING BOTH AND THE PREVIOUS POLICE REPORT DETAILING THE THEFT OF MY IDENTITY DOCUMENTS BEFORE THE OPENING OF THESE FRAUDULENT ACCOUNTS.

10. You are intentionally ignoring my request to accurately portray my true and correct name that is on my California id and social security card which is XXXX XXXX XXXX XXXX XXXX. Per : 15 U.S.C. 1681e ( b ) : Accuracy of Reports " Whenever a consumer reporting agency prepares consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' You are refusing to comply with this 12. You responded through mail that you needed an identity theft report to initiate a fraud block. Here are the updated documents 13. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. States : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.act fraud. 



( The elements of 1-4 have been satisfied by me ( the consumer who is a victim of identity theft ) : 1.A police report for stolen identity documents was filed before the opening of this account to support the fact that I am factually claiming that these accounts : XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX XXXX  Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} ARE FRAUD This report is including an identity theft report, police reports, identity documents and is my true and factual statement that these accounts are in fact FRAUD.

14. This will be the last time I respond with proper documentation before I seek damages for intentional misreporting reporting allowed pursuant : Negligent Violations : 15 U.S.C. 1681 addresses negligent noncompliance : " Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees. '' And also pursuant to violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. This section was not met and satisfied by the creditor nor you the furnished. To legally furnish these accounts nor publicly report them being that they are FRAUD. Not one of the three required notices were received And no contract was signed by me the victim of fraud nor permission to furnish these fraudulent accounts were given to the creditors by me the victim of fraud. 




XXXX. You removed XXXX ) XXXX XXXX XXXX Account # : XXXX Date opened : XXXX, XXXX, 2023 Highest Balance : {$5000.00} XXXX ) XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Highest Balance : {$3000.00} previously once 16. BECAUSE YOU WERE MADE AWARE THAT THE ACCOUNTS WERE FRAUDULENT. Then allowed them to be replaced. Though you received both and identity theft report and a police report allowing you the information that my identity documents were stolen before the opening of this account.

17. A crime was committed against me. My information was fraudulently used and a fraudulent account was opened. You removed it and then allowed it to be replaced though you were made aware of : FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) 18. Definition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 19. You have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation to my dispute because you believe it was certified. However, your excuse and assumption is a not valid reason under the FCRA to not block the information according to the above laws. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor stated that you believed it was you have simply refused to comply with out any reasoning backed by law or the fcra.

20. It is crucial to note that since the payments were made by the fraudster, I can not be held liable for any such transactions under FCRA 615. The FCRA mandates that any payments made from fraudulent accounts should not implicate the actual victim of identity theftin this case, myself. I did not authorise these accounts nor open these accounts. Nor make past payments on these accounts. The person who fraudulently assumed and took over my identity did. 
21. So past payment for a fraudulent account made by the fraudsters will not constitute as validity.

Definition of Identity Theft : According to the FCRA ( 15 U.S.C. 1681a ), identity theft refers to the unauthorized use of another person 's personal information to commit fraud or other crimes 22. Things I explained in my dispute previously : 1 ) I requested A FRAUD BLOCK FROM THE CREDITORS YOU Illegally PUBLISHED THESE FRAUDULENT ACCOUNTS TO 2.A factual identity theft report has been submitted again with details regarding the fraud as well as transunion and eqifaxs non compliance 3.afidavit/statement that this account does not belong to me has been submitted 4.Appropriate identity verification had been made XXXX. Please correct my name and block the accounts according to law and refrain from allowing them to be replaced pursuant to FCRA 611 ( 15 U.S.C. 16811 ) PROCEDURE IN CASE OF DISPUTED ACCURACY 5 ( a ) ( I ) ( c ) States : Procedures to reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) as you have Already done once before after removing them and being made aware they were fraud.

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