Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX XXXX XXXX - XXXX - Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report.XXXX XXXX - XXXX - Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report.XXXX XXXX XXXX XXXX - Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report.XXXX XXXX XXXX XXXX Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my XXXX XXXX - XXXX - Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report.XXXX XXXX - XXXX - Please verify that this is reporting correctly on my report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report.XXXX XXXX XXXX XXXX XXXX XXXX  I believe this collection is reporting inaccurately. - I do not know what this is. Please investigate and remove from my report.XXXX XXXX - XXXX - I believe this collection is reporting inaccurately. - I do not know what this is. Please investigate and remove from my report.XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.XXXX XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.XXXX XXXX- This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.XXXX  - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.Incorrect Name - XXXX XXXX - The personal data reporting is inaccurate.Incorrect DOB - XXXX  - The personal data reporting is inaccurate.Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - The personal data reporting is inaccurate.Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX - The personal data reporting is inaccurate.Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX - The personal data reporting is inaccurate. 

My correct personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and my correct date of birth is XX/XX/1994. All other information should be removed. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.

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