Consumer complaint received 2024-12-07 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: NC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fraudulent Accounts and Inquiries Immediate Action Required ( XXXX : XXXX ) To Whom It May Concern : I am writing to demand the immediate and permanent deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file as a result of identity theft. This information must be removed without delay and must never be reinserted into my file under any circumstances. Any failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) will not be tolerated. 

XXXX XXXX Violated : 1. 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be permanently removed from my report without delay.

2. 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

3. 15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Additionally, you are legally barred from reinserting this information unless thorough and verifiable documentation is provided and I am notified in writing, as required by the FCRA. 

Fraudulent Accounts : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me and must be removed from my report immediately. Furthermore, I demand confirmation in writing that this information has been deleted and will not be reinserted into my credit file in the future. 

Failure to Act : If these fraudulent accounts and inquiries are not permanently deleted and an updated consumer report is not sent to me promptly, as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( vehicle registration ) Copy of my Social Security card FTC Identity Theft Report I expect immediate and decisive action. I also remind you of your obligations under the FCRA to ensure that once fraudulent information is deleted, it is not reinserted without following the strict legal guidelines for doing so. Failure to comply will result in further legal action and formal complaints to federal and state agencies. 

Sincerely, 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