However, the actor himself, Eric Violette, and his website say that he's had all sorts of acting and singing training. Here's who he is really, according to his homepage:
I know you guys think I live in my in-laws basement and drive a sub-compact, but really I'm just an actor/musician who got a lucky break.
But this part of his bio leaves me wondering if the rumor is true:
I was born in 1981 in a small town in Canada. In fact I still live near Montreal. And yes, I speak French but I'm fluent in English too. I attended the National Theatre School of Canada for my training.
One quick internet search later, I found this information from USA Today:
Eric Violette is the lead "singer" in three commercials... Violette and his buddies do songs about how it has affected their lives. Violette, a French Canadian, sings and plays guitar in real life and has a following on the Web. Because he speaks little English, however, he lip-syncs the song in the ad, which is performed by a studio artist. The songs were written by David Muhlenfeld. The "band" in the ads, by The Martin Agency, is a group of actors. The group of commercials, which began airing in October, are part of the third national ad campaign for FreeCreditReport.com, which was launched in 1999 by credit-rating giant Experian.
So there you go! Rumor confirmed (except the part about speaking English, he seems to be bilingual)! Hope I didn't destroy any well-loved illusions of yours!