Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6468298

Complaint Overview

Complaint ID: 6468298

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: New York

ZIP Code: 10703

Date Received: 2023-01-21T12:00:00-05:00

Date Sent to Company: 2023-01-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I XXXX XXXX never gave ( Experian ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection 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. 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, 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. None of these companies have lawful authority to put any account on my consumer report. All accounts list below must be deleted! I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you. Each one of these accounts need to be deleted immediately!!! List each account here along with the full name of the account and it's account number XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once again, all accounts above shall be blocked and deleted from my credit file immediately! This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. Sincerely, XXXX XXXX.

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