Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

My name is " XXXX XXXX ", I have been requested investigation on many inaccurate items over past year. However, none of my respond has worked. The credit bureaus just tried to avoid their responsible by rejecting my identify. I am " XXXX XXXX ", i am not credit repair service or anything. I am writing a complaint for myself, " my credit report ". This things are wasting my time so much and make me feel desperate when i have to repeat my dispute over time again. 
**Address : XXXX XXXX XXXX XXXX, WA XXXX This address is not mine, delete it!! 
**Employment info : _XXXX XXXX  XXXX I have no working relationship with this person, it's a fault and must be deleted!!! 
**Hard inquiries : _XXXX XXXX Inquiry : XX/XX/XXXXthis charge off account is not mine, please delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report _XXXX XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX   Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, provide documentation to prove if it's wrong or delete it!!! 
VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report _XXXX XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, delete it!!! 
_XXXX Inquiry : XX/XX/XXXX This charge off account is not mine, delete it!!! 
*** Collection : XXXX XX/XX/XXXX Reported : XX/XX/XXXX XXXXXX/XX/XXXX Reported : XX/XX/XXXX XXXX XX/XX/XXXXReported : XX/XX/XXXX XXXX XX/XX/XXXX Reported : XX/XX/XXXXXXXXXX/XX/XXXX Reported : XX/XX/XXXX XXXX XX/XX/XXXX Reported : XX/XX/XXXX I don't own XXXX XXXX any money and never receipt any loans or credit from that company. You have to provide me full documentation that this is my account or i claim you ( credit bureaus ) intentionally put inaccurate information cause negative effect and possibly money damage. I suggest you should delete if you don't want any further serious action. 
As you may aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report. 
VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 
***Collection : _XXXX XXXX Reported : XX/XX/XXXX Provide me documentation prove that this is my account or delete it immediately. In accordance of 15 U.S.C. 1681i set forth the various requirements that you have to investigate disputed entries on customer 's report. Moreover, section 15 U.S.C. 1681i states  clearly that you must delete or modify disputed items if you can not verify it in the regulation time of one month. In the regard, i notice seriously that section 15 U.S.C. 1681i you to reinvestigate each and every disputed items and to complete reinvestigation or delete it in time frame 30 days.

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