Consumer complaint received 2024-10-07 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: FL

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES arising from IDENTITY THEFT that did not verify as required by law on my consumer report. 

15 USC 1681b ( c ) Providing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) information about inquiries ; Except as provided in Section 15 USC 1681G ( a ) ( 5 ) of this title, a consumer reporting agency shall not provide to any person a record of INQUIRIES in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXXXXXX XXXX XXXXXXXX XXXX My identity has been stolen, notice is hereby given to you ... Aggravated Identity Theft pursuant to 18 U.S.C. 1028a. IN GENERAL. - Whoever, during and in connection with any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person, in addition to the punishment provided for such offense, may be sentenced to a term of imprisonment of 2 years.

An identification of me has been used without my permission to open several accounts that have damaged my reputation and harmed my livelihood because you provided a consumer report without my written permission as stated by federal law : 15 USC 1681b Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may provide a consumer report in the following circumstances and no others : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Experian and XXXX has aided this fraud by failing to verify these accounts. 

Congress affirms 15 U.S.C. 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) It is necessary to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Consistent with 15 U.S. Code 1681c-2 The Blocking of Identity Theft Result Information : Except as otherwise provided in this section, a consumer reporting agency may not block identity theft information. Code 1681c-2 Blocking information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the report of any information in a consumer 's file that the consumer identifies as information resulting from suspected identity theft not later than 4 business days after the date of receipt by such agency of : ( 1 ) Appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached all relevant documents in accordance with the above section of the law. I demand immediate removal of all fraudulent CONSULTATIONS. I demand an updated copy of my consumer report that reflects these changes ( 15 USC 1681 C-1 2 Access to free reports ) ( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in a consumer 's file pursuant to this subsection, the consumer reporting agency shall, ( A ) disclose to the consumer that the consumer may request a free copy of the consumer report pursuant to section 1681J ( d ) of this title ; and note that I CC to The Consumer Financial Protection Bureau ( CFPB ).

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