Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN is violating my consumer rights set forth by the FCRA. I have notified EXPERIAN by phone and letter that my consumer report contains inaccurate, fraudulent and unverifiable data. On XX/XX/XXXX at XXXX, I was told " the security and privacy of your information is important to us. '' EXPERIAN rep XXXX XXXX stated she would transfer me to disputes who can remove ANY personal information or account. '' However, XXXX in the EXPERIAN disputes department, harassed me as I filed my dispute. He said EXPERIAN is NOT responsible for verifying information accuracy. The " Understanding the Fair Credit Reporting Act '' article on EXPERIAN 's website says otherwise. It reads, " consumer reporting agencies MUST correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information MUST be REMOVED or corrected usually within 30 days. I mailed letters addressing the inaccurate, incomplete, and unverifiable information on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. EXPERIAN provided a response to each of these requests stating the inaccurate, incomplete, and XXXX XXXX for XXXX Bank XXXX XXXX XXXX payments ), WF/Dillard ( XXXX XXXX XXXX, XXXX Funding ( XXXX fraudulent collection accounts ), Webbank/Fingerhut ( charge-off ), Premier XXXX XXXX XXXX charge-off ) and CB Indigo ( charge-off ) ALL came back verified and/or complied with FCRA. They repeatedly failed to provide verification proof as requested. Per XXXX XXXX XXXX - consumer reporting agency XXXX only report convictions of crimes over XXXX XXXX XXXX. This doesn't include late payments or charge-offs. So, ALL late payments MUST be deleted. Charge-offs are INCOME filed on form XXXX or XXXX, per IRS guidelines. They should NEVER be reported on a consumer report which only shows DEBT. The MUST be deleted. XXXX XXXX XXXX says accounts reported as ID theft MUST be removed w/in XXXX business days of being identified as such by the consumer. XXXX accounts are ID theft. XXXX CFR XXXX defines ID theft as use of information identifying me without my authority. I never contracted with any collection agency, and I did NOT give them permission to report or use my identifying information. These MUST be deleted as well. 

I also asked for EXPERIAN to correct my personal information. The ONLY name that should be on the report is XXXX XXXX. The address should be XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The ONLY phone number should be XXXX. XXXX XXXX XXXX says EXPERIAN needs my written permission to report any information within my report. I have not provided written consent to any personal information, thus anything else outside of the aforementioned personal information MUST be removed.

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 non-monetary relief