Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: GA
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:
My Name is XXXX XXXX XXXX  a living soul in the eyes of GOD my purpose of this complaint is to address the willingly neglect of the credit bureaus to my demands and request to remove all negative items including names, addresses and accounts that is not accurate or violates my rights as a consumer. XXXX, Experian, XXXX  all ignored my demands please help me to get the attention of the bureaus and this problem handled immediately because it is affecting my creditworthiness and fairness to be extended credit listed below are all the negative items I've requested to be removed and attached is all letters sent and ignored by the credit bureaus.   
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611(15 U SC 1681I) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. I
 
Below is a summary of the data in which I am challenging: 

NAME:
XXXX
I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX XXXX  if you have anything in your system that is different from what I have just mentioned then delete them
immediately. 
CURRENT ADDRESS:

Your company's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX  Appreciatively, You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly (in a timely manner), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

I understand that under the U.S. Code 15 USC 1681 ES Seg Section 604, only users with a permitted purpose can view my credit report, and I definitely did not give consent for the unauthorized inquiries to take place.

Inquiries XXXX XXXX XXXXExperian/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXXXXXX XXXX XXXX Experian/XXXX  XXXX XXXX XXXX ExperianXXXX  XXXX XXXX ExperianXXXX XXXX XXXX XXXX2 ExperianXXXXXXXX XXXXXXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX Experian/XXXXXXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXXXXXX XXXX ExperianXXXX XXXXXXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXXXXXX XXXX XXXX ExperianXXXX XXXXXXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX Experian/XXXX  XXXX XXXX XXXX XXXXXXXX  ExperianXXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX ExperianXXXX XXXX XXXX Experian/XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX ExperianXXXX  XXXX XXXX Experian/XXXX XXXXXXXX XXXX ExperianXXXX XXXXXXXX XXXX Experian/XXXX XXXX XXXX Experian/XXXX XXXXXXXX XXXX Experian/XXXX  XXXX XXXX XXXX Experian/XXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX XXXX XXXX Experian/XXXX  XXXX XXXX XXXX Experian/XXXX  XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX XXXX XXXX XXXX Experian/XXXX XXXX XXXX Experian/XXXX XXXX XXXX Experian/XXXX XXXX XXXX Experian/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act (FCRA) 15 U.S. Code 1681e, it is required that you maintain reasonable procedures to ensure the accuracy of credit reports. All Items Listed Above Violates My Rights As An American & goes against constitutional rights
  
Please send your written response to my address

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