Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
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

Complaint:
THIS IS MY SECOND NOTICE/OPPORTUNITY to CURE! 

I am FRUSTRATED THAT THESE COMPANIES ARE CONTINUOSLY VIOLATED MY RIGHTS AND IF THEY DONT 'S REMOVE THESE ACCOUNTS IMMEDIATELY, I WILL BE FILING A LAWSUIT!! 

In accordance with the Fair Credit Reporting Act, these companies have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXXM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION OF THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORTS! As instructed on your website, Ive enclosed documentation providing proof of my current address, social security card, id passport, drivers license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, AND EXPERIAN credit report isnt accurate AND ITS COMPLETE XXXX. Ive spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LETS ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING COPORTATIONS FOR LETTING THIS HAPPEN. 

POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USE 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATIOM. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CONSUMER RPORT! DELETE IT IMMEDIATELY.

I DEMAND FOR THE LATE PAYMENT BELOW BE REMOVED & Updated to Paid On Time : 1. ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX - EXPERIANXXXX I DEMAND FOR THE ACCOUNTS BELOW BE REMOVED 1. XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX 2 . XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX - EXPERIAN 3. XXXX XXXX ACCOUNT NUMBER : XXXX - EXPERIAN/ XXXX 4 . XXXXXXXX XXXX ACCOUNT NUMBER : XXXX - EXPERIAN/ XXXX Unauthorized Inquiry not mine. Please remove it from the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Looking forward to an updated copy of the consumer report reflecting the above changes.

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