Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Nj XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX *RE : XXXX : -- XXXX Immediate Action Required : Fraudulent Accounts & Inquiries Resulting from Identity Theft To Whom It May Concern, This letter serves as an urgent demand for the immediate removal of fraudulent accounts and inquiries that have been unlawfully reported on my credit file due to identity theft. Your failure to verify this fraudulent activity in compliance with the Fair Credit Reporting Act ( FCRA ) and federal law has resulted in a violation of my rights as a consumer.

As per 15 USC 1681b ( c ), consumer reporting agencies are prohibited from reporting any transactions or inquiries that were not initiated by me. I am notifying you that these inquiries and accounts were not authorized by me and must be deleted immediately. This is not merely a request it is a legal obligation under federal law, and your failure to act promptly will expose your agency to further legal consequences. 
List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries : Inquiry : [ Company Name, Date of Inquiry ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( These inquiries were made without my authorization and must be removed immediately. ) Under 18 U.S.C. 1028A, identity theft is a federal crime, and those who knowingly use another persons identity face severe legal penalties, including up to two years of imprisonment. I am placing you on formal notice that my identity has been stolen, and these accounts were opened without my consent.

Legal Demand for Action : In accordance with 15 USC 1681c2, you are required to block all fraudulent information from my credit report within 4 business days of receiving : Proof of my identity ( enclosed ). 
A copy of my FTC Identity Theft Report ( enclosed ). 
Identification of the fraudulent accounts ( listed above ). 
A signed statement confirming that these accounts and inquiries are not related to any legitimate transactions made by me. 
Your failure to comply will be a direct violation of 15 USC 1681b and other provisions of the Fair Credit Reporting Act. You are legally obligated to correct this information without delay, or I will pursue further legal actions to enforce my rights.

Furthermore, under 15 USC 1681c-1 ( 2 ), I am also entitled to receive a free updated copy of my credit report reflecting these corrections. 
Notice of Intent to Escalate : Should this issue not be resolved promptly, I will be copying the following agencies on this correspondence : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  ) The Attorney Generals Offices in both your state and mine I expect a written response confirming the immediate deletion of these fraudulent accounts and inquiries. This issue must be resolved within the legal timeframe of 4 business days or I will escalate the matter through the proper legal channels. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of Identification ( ID ) Utility Bill ( Proof of Address ) Copy of Social Security Card FTC Identity Theft Report

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