Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
I have inaccurate information on my report that needs to be removed immediately. The credit bureaus keep disrespecting the laws and practicing unfair. I showed them on several occasions that they are violating areas of the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify and delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have my written permission According to 15 USC 1681 I HAVE THE RIGHT TO PRIVACY THERE ARE NO SUCH THINGS AS LATE PAYMENTS ACCORDING TO 15 USC1666b ( Remove any late payments reporting ) According to 15 USC 1681s- 2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

These accounts are incorrect and needs to be removed from all credit bureaus IMMEDIATELY : XXXX. XXXX, XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( NOT MY ACCOUNT ) XXXX XXXX ACCOUNT : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX , SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX , GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) XXXX XXXX ( REMOVE ) XXXX ( REMOVE ) XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) I  have attached reports that needs to be corrected. I have requested reports from XXXX but they fail to comply. 

Remove all addresses reporting on my credit profile except XXXX XXXX XXXX XXXX XXXX Ga XXXX. No other address should be listed. They aren't mine. Delete all phone numbers from my report except XXXX. Delete all employment history as it is inaccurate.

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