Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
XX/XX/XXXX : I sent letters via certified mail to Experian, XXXX And XXXX notifying each credit bureau of the inaccuracies, inquiries and collections on my credit report. In the letters sent to each credit bureau, i requested that all inaccuracies, inquiries and collections be removed off my credit report. I also attached an identity theft report that i filed with the Federal Trade Commission ( FTC ) on XX/XX/XXXX along with a copy of my drivers license, social security card and utility bill. 

Personal Statement : Upon reviewing my credit report, I have discovered several collections that do not belong to me, as well as numerous inaccuracies. I believe that these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and have significant implications under various historical legislations. 

The FDCPA, enacted in XXXX, is designed to protect consumers from abusive and unfair debt collection practices. It establishes guidelines for debt collectors and prohibits actions such as harassment, misrepresentation, and the use of deceptive practices. The collections listed on my credit report violate these provisions, as they are not associated with any debts I have incurred. 

Furthermore, I would like to bring attention to the Emergency Banking Act of 1933, which was enacted during the Great Depression. This act aimed to stabilize the banking system and restore public confidence in financial institutions. It granted the President the authority to regulate banking transactions and temporarily close insolvent banks. The fraudulent collections on my credit report indicate a breach of this act, as they involve unauthorized transactions that have affected my financial stability. 

In addition, House Joint Resolution 192, passed in 1933, is relevant to my case. This resolution suspended the gold standard and established a system of fiat currency in the United States. It recognized the importance of maintaining the stability of the monetary system and protecting individuals from fraudulent financial activities. The unauthorized collections on my credit report undermine the principles outlined in this resolution, as they have caused financial harm and disrupted my economic well-being. 

Lastly, I would like to highlight The 1933 Gold Repeal Act, which nullified the right of individuals to own gold and required them to surrender it to the government. This act aimed to stabilize the economy during the Great Depression. The fraudulent collections on my credit report represent a violation of this act, as they have caused financial harm and disrupted my economic stability.

In light of the aforementioned violations of the FDCPA, the Emergency Banking Act of 1933, House Joint Resolution 192, and The 1933 Gold Repeal Act, I kindly request your assistance in investigating this matter thoroughly. I am prepared to provide any necessary documentation and cooperate fully with your agency to rectify this situation. Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this identity theft issue and restoring my financial integrity.

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