Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the XXXX, XXXX and Experian, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXX for XXXX XXXX XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX ac/t number ends in : XXXX for XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via Experian w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX XXXX XXXX XXXX used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX or all derivations thereof, whether maintained by Experian, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX or any other credit reporting agency ; XXXX Credit report on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon XXXX the XXXX or all XXXX  ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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