Consumer complaint received 2024-07-17 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: IL

Complaint narrative:
These credit bureaus are violating my rights as a consumer. I am writing to formally dispute the unauthorized furnishing of my personal credit information by your bureau. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to the creditors along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this credit bureau and credit companies are violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to the bureau and the creditor companies notifying them that these listed accounts are fraud. My information isnt protected and this credit bureau or creditors are not honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this credit bureau and all these creditors, these companies and credit bureau did not honor my rights or acknowledge my supporting documents regarding identity theft. I was incarcerated for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from creditors, and assisting to furnish wrong and fraudulent accounts. I demand all accounts and inquiries be removed as soon as possible. 

Specifically, I refer to the following entries : XXXX. XXXX XXXX XXXX {$37000.00} XXXX. XXXX XXXX XXXX {$53000.00} XXXX. XXXX XXXX {$500.00} XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX  {$2500.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX {$530.00} XXXX. XXXX XXXX XXXX XXXX XXXX  {$410.00} Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA , 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report.

4. **Send an updated credit report** : Provide me with a current copy of my credit report to verify the corrections. 

Enclosed are copies of the relevant documents, including my recent credit report highlighting the disputed entries and any supporting documents that substantiate my claim. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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