Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
I am writing to formally address the discovery of fraudulent activity on my consumer report. Upon reviewing a recent copy, I found that I have been a victim of identity theft by XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX reporting that I owe them {$2300.00} on account number XXXX. This alarming situation violates federal laws, including 18 U.S.C. 1028A and 15 U.S.C. 1681q, which prohibit the unauthorized use of another individuals identifying information. These offenses constitute felonies punishable by up to two years of imprisonment, in addition to civil liability. Unauthorized Accounts and Legal Violations During my review, I identified this account on my consumer report that I did not open, authorize, or recognize nor contract with. I have never provided written authorization for these accounts to appear on my report, as required under 15 U.S.C. 1681b. According to this statute, consumer reporting agencies may only furnish reports under specific circumstances, including when : 1. The consumer initiates the transaction. 2. The consumer provides written instructions. Since I have not authorized these accounts, their inclusion on my report is a violation of federal law. Violation of Privacy and Coercion The presence of these unauthorized accounts also infringes upon my right to privacy. These false debts have been publicized without my consent, exposing me to unwarranted scrutiny and harm. Further, 15 U.S.C. 1692d prohibits the advertisement of debts as a means to coerce payment. The continued reporting of these accounts not only violates this statute but also creates unnecessary financial and emotional distress. Impact on Mental Health This situation has caused severe harm to my XXXX XXXX, as I am currently in the process of purchasing a home for my family. The fraudulent accounts have disrupted this process, causing significant XXXX  and emotional strain which resulted in medication being prescribe to me. These inaccuracies have made it difficult for me to move forward with important life decisions and responsibilities. Requested Actions To resolve this matter, I request the following actions : 1. Immediate Removal : Delete all fraudulent accounts from my consumer report. 2. Notification of Third Parties : Notify all third parties that have accessed my report of the corrections made. 3. Written Confirmation : Provide written confirmation of the actions taken within 30 days, as required under 15 U.S.C. 1681i. Failure to address these issues promptly will leave me no choice but to contact the state attorney generals office. I also reserve the right to pursue legal action to protect my rights and seek compensation for the harm caused. Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.

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