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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fraudulent Accounts, Late Payments, and Inquiries Immediate Action Required ( XXXX : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts, late payment notations, and inquiries that have been unlawfully reported on my consumer file as a result of identity theft. Your failure to comply with federal law in verifying these accounts, inquiries, and derogatory items is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated 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 removed from my report immediately : 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.

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. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts.

15 USC 1681a ( 2 ) ( A ) ( i ) Late Payments Due to Identity Theft Under the FCRA, late payment notations associated with fraudulent accounts or identity theft must also be promptly removed. I demand the deletion of any late payment records tied to fraudulent accounts, as they were reported unlawfully without proper verification or my consent.

Fraudulent Accounts and Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and any associated inquiries were not authorized by me and must be removed from my report immediately.

Late Payments The following accounts have late payment notations that are fraudulent and were not authorized by me. I demand their immediate removal : These late payments were reported unlawfully due to identity theft, and I insist they be removed immediately to ensure the accuracy of my credit file.

Re-Insertion of Negative Items Per 15 USC 1681c-2 ( b ), any information blocked as a result of this dispute may not be reinserted into my file unless strict procedures are followed, including written notice to me. I remind you that any re-insertion without proper documentation is a direct violation of federal law and will result in legal action.

Failure to Act If these fraudulent accounts, inquiries, and late payment notations are not 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  ) State Attorney General Offices, 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 ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information, late payment notations, and unauthorized inquiries have been removed, and that an updated report has been sent to me. 
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