Consumer complaint received 2024-02-05
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS PUBLIC RECORD : REF # XXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED BACK WITHIN 15 DAYS THAT THIS ACCOUNT BELONGS. TO ME UNDER MY LEGAL NAME PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX account # XXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVEXXXX XXXX XXXX ref # XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVE*XXXX # XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXXXXXX XXXX  XXXX ref # XXXX this account XXXX not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage HARD INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES.

I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. 

Thank you XXXX EXPERIAN : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESS I NEVER LIVED HERE I reported this address as a mistake and illegal reporting under my rights to the bureau account is still listed illegally PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : XXXX account # XXXX this creditor has this Account under two different names due to my identity being stolen inaccuracy reporting is against my rights. This is not my account PLEASE REMOVE*XXXX XXXX XXXX ref # XXXX was listed ILLEGALLY I am dumbfounded to know nor have any acknowledgement of this account, I have requested several times and under my rights company has refused in the 15 day time frame to verify Please REMOVE*XXXX # XXXX account were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE account from my credit* XXXX XXXX XXXXXXXX ref # XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage*XXXX  REF # XXXX ( THERE ARE XXXX ACCOUNTS LISTED PLEASE REMOVE ALL XXXX ACCOUNTS ) THIS COMPANY HAS BEEN SENT LETTERS REQUESTING PROOF OF VERIFICATION THAT I HAVE PROVIDED THEM PROOF THIS ACCOUNT IS NOT MINE NOR DO I HAVE ANY ACKNOWLEDGMENT THIS ACCOUNT BELONGS TO ME -THE OTHER BUREAS REMOVED THIS ACCOUNT EXPERIAN HAS NOT WHICH IS MY RIGHTS TO CONTEST THIS INFORMATION-UNDER FCRA AND MY IDENTITY THEFT RIGHTS AUTHORIZATION TO USE MY CREDIT AGAINST ME AND ILLEGALLY TO A THIRD PARTY WITHOUT MY PERMISSION THIS COMPANY HAS FAILED TO PROVIDING THIS INFORMATION WITHIN THE 15 DAY LEGAL VERIFICATION DAYS GIVEN TO ANY CREDITORS still until this day nothing, this company has broken all possible league rights sharing and providing my formation to third parties that I did not agree nor confirm for them to give my information too share. PLEASE REMOVE IMMEDIATELY. 

I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN! 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. 

XXXX : In accordance with the Fair Credit Reporting act XXXX Account ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, GA PLEASE REMOVE THIS IS NOT MY ADDRESSXXXX XXXX XXXX XXXX XXXX GA PLEASE. REMOVE I NEVER LIVED AT. THIS ADDRESS PUBLIC RECORD : REF # XXXX PLEASE REMOVE THIS ACCOUNT IT IS NOT ASSOCIATED WITH MY LEGAL NAME. IVE REQUESTED FOR VERIFICATION PROVING THAT I WAS A VICTIM OF IDENTITY THEFT AND NO VERIFICATION UNDER THE FCRA HAS BEEN SUBMITTED WITHIN 15 DAYS PLEASE REMOVE UNKNOWN ACCOUNTS REPORTED OR COLLECTION : **XXXX # XXXX both accounts were under no rights to use my information under the FCRA AGAINST MY WILL or approval, I have no acknowledgement under identity theft rights to use my information without verifying proof of my identity to this company or being used PLEASE REMOVE both accounts from my credit* XXXXXXXX XXXX XXXXXXXX ref # XXXX this account is not mine this account belongs to someone with or a similar name I never approved for this creditor to use my personal information for any credit reporting or usage I MUST BE TOLD WHEN INFORMATION IS BEING USED AGAINST ME HARD INQUIRY : XXXX XXXX XXXX ( XXXX ) *XXXX XXXXXXXXXXXX XXXX ( XXXX ) *XXXX XXXX XXXX XXXX XXXX* PLEASE REMOVE REPORTING INACCURATE INQUIRES UNDER FCRA IS ILLEGAL AND AGAINST MY RIGHT LISTED ABOVE I DID NOT GIVE ANY OF THESE CREDITORS PERMISSION TO RUN MY CREDIT OR PROVIDE MY PERSONAL INFORMATION TO BE REPORTED TO A THIRD PARTY OR ANYONE WITHOUT MY PERMISSION AND LEGAL RIGHTS PLEASE REMOVE HARD INQUIRIES.

I HAVE LETTERS THAT IVE CALLED EACH CREDITOR THAT IS LISTED N THIS COMPLAINT EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED ACCOUNTS AND IDENTITY THEFT LISTED FOR OVER 5 YEARS NO ACCOUNTS WITHIN THIS TIME FRAME SHOULD BE APPROVED WITHOUT MY ACKNOWLEDGMENT AND WITHOUT MY RIGHTS LISTED UNDER THE FCRA ALSO NO CREDITOR SHOULD REPORT THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP, AND NOT WORKING AND IDENITY WAS STOLEN!! 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Thank you for your urgent review regarding my concerns! Please take this complaint seriously which has been effecting all my rights and my lively hood as a mother and a veterans spouse. 

Thank you XXXX XXXX

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