Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I have noticed some unauthorized and inaccurate information on my credit report. Hence, I am writing to request an investigation and removal of the unauthorized and inaccurate information. 

It seems that Experian, XXXX, and XXXX  have a systemic problem in its limited categorization of the inquiries it receives and its cryptic notices and responses. Their employees are no more than data entry clerks in the dispute and investigation process. Their investigations of disputes sometimes involve merely verifying that the information matches their own computer records, without undertaking a meaningful examination of the underlying facts. Therefore, I am requesting Experian, XXXX, and XXXX  's credit investigation to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. In addition, I am requesting that Experian, XXXX, and XXXX  obtain a copy of the underlying application or contract from the furnisher, and provide several handwriting samples, such as copies of cancelled checks, a drivers license or backs of credit cards that include my signature. If these critical documents are left out of the investigation process, it may violate the FCRA. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

Please be advised that the companies performing the harassing phone calls are listed below. 
XXXX XXXX - {$400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} DXXXX XXXX XXXX / XXXX - {$0.00} Please note that the account listed as XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX has a balance of {$0.00} ; the account listed as XXXX XXXX XXXX XXXX XXXX XXXX has a balance of {$0.00}. 

Please be advised that there are some unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX I did not authorize or give consent to Experian, XXXX, XXXX  or any other agency to furnish information related to me and these transactions occurred without my permission. 

The information mentioned about is unauthorized and incorrect. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

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