Consumer complaint received 2024-10-16 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 
The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX  Fraudulent account number:XXXX Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company.

A copy of my Identity Theft Report and proof of my identity and police report.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please Explain and Provide : What your Investigation found and lead you to believe you are reporting these items as they legally should be reported?

What legal official documents were reviewed to conclude your investigation?

Provide me with a complete copy of all of the information that was transmitted to the data furnishes as part of the investigation.

How much did it cost your company to obtain all the necessary documents needed to complete your investigation?

The proof of your timely procurement of all legal documents.

The person or persons you spoke to at the company that was reporting the information to confirm the accuracy of what you are reporting.

For every one of the above accounts could you please provide the following Docs/Information : Who did you speak to verify the accounts?

What was the name of the employee?

Who was the person who answered your calls/ Disputes?

What position do they hold at the company?

What type of formal training was provided to this employee that qualifies them to do the job in answering a dispute?

Please provide copies of all the paperwork that proves the investigation took place.

Along with your response to the above questions I kindly request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My previous dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

These erroneous entries of information in my Credit Report are detrimental with my FICO Score and have caused and will continue to harm my financial future. If you do not provide me with the above requested deletion/repair or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete. 

After the investigation is complete, please remove the comments in dispute by consumer. 

Sincerely,

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 non-monetary relief