Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint is being filed to demand pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian credit reporting agency , block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The fraudulent, inaccurate, and false information consist of 21 accounts reporting fraudulently and inaccurately. See attachment. These accounts have resulted in several fraudulent collections and accounts appearing on my consumer FICO credit report. I've attached a list of the accounts in question. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 



I am also filing this complaint because are 21 accounts on my credit report that XXXX, XXXX and Experian have allowed to be on my credit as a result of identity theft. They are unlawfully reporting accounts that arose from IDENTITY THEFT and did not verify the aforementioned accounts as required by law and are now reporting to my consumer report. according to 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In General. 



WHOEVER, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, 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 damaged my mode of living because they furnished, shared and are allowing the publication of my consumer report without my written permission as stated by federal law.

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 



I, XXXX XXXX XXXX never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. They also do not have any permissible purpose to furnish my personal information to any third parties.

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