Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2020 Dear Consumer Financial Protection Bureau, To whom can help me, my name is XXXX XXXX and I have been struggling back and forth with Experian who has violated my rights and has violated many of the FCRA Laws that are put in place to protect victims like me of a credit bureau reporting anything that comes to them WITHOUT the proper full verification and validation. Below are a few among many violations : 1. Failing to Follow Proper Procedures 2. Privacy Violations 3. Continuing to report inaccurate, unverifiable, and unvalidated information on my account 4. Failing to investigate inaccurate items properly and thoroughly 5. Failing to produce any signed contracts, documents, or proof on how they have verified The FCRA states the bureaus must verify all information that they get from banks, credit card companies, loan companies before it's put into your credit report. Before placing any item on a credit report Experian must verify any account with signed documents, contracts, or original signed documents.

Experian is placing information onto my credit report without proper verification, thus conducting business in an unethical manner. There have been countless complaints on Experians unlawful behavior, 141,194 to be exact. They are not following the correct procedures and continue to violate the lives of many citizens in the United States of America.

Experian has not been able to provide me with any contracts with my signatures nor can they verify the accounts with the contract or document ( a statement/bill is not proof of debt/evidence ) therefore the account on my credit report is unverified and under the FCRA ANY UNVERIFIED ACCOUNT MUST BE DELETED.

An Experian representative has explained to me that accounts are under an unknown address. I have disputed this inaccurate address for a few months now but I have not received any help from Experian. 

Experian remains an unchecked credit bureau and has ruined and continues to ruin the lives of many by having the freedom to report anything without proper procedures. Please be informed that this is also an intention to file a lawsuit against Experian if this information is not removed. Experian has been going in circles and unethically damaging my credit report by stating that the following accounts have been verified but they have not. I can not allow this atrocity to continue by this unchecked company. I demand the following accounts to be deleted : { Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} } { Account Name : DEPT OF EDUCATIONXXXX Account No : XXXX Status : Closed } { Account Name : XXXX XXXX Account Number : XXXX Status : Closed - {$0.00} }

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