Consumer complaint received 2021-06-09
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX as a furnisher of consumer information continues to report inaccurate information to the consumer reporting agencies. They are reporting two fraudulent accounts. Account XXXX and account XXXX on my consumer report. I have disputed these accounts but they keep saying these accounts are verified. XXXX XXXX XXXX XXXX has violated the Truth and Lending Act section 162 15 U.S.C. 1666a- Regulation of Credit Reports. XXXX XXXX XXXX XXXX is reporting to the Consumer Reporting Agencies that I have a delinquent account, which I have already dispute this account with XXXX XXXX XXXX XXXX. This is not my account. They are also in violation of section 112 15 U.S.C 1611 - Criminal liability for Willful and knowing violation. They are willfully and knowingly giving false and inaccurate information to the Consumer Reporting Agencies, which is hurting my consumer report and causing me to get denied for credit. XXXX XXXX XXXX XXXX is also in violation of United State Code1692g -Validation of Debt. I plan on filing a complaint with the Attorney General of my state the Office of the Comptroller of the Currency ( OCC ) and with the XXXX. If XXXX XXXX XXXX XXXX does not remove these two XXXX XXXX XXXX XXXX accounts from my consumer report I will take legal action and file litigation against XXXX XXXX XXXX XXXX in my state and county court. 

Also XXXX  and Experian  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX  and Experian  arecthe only Consumer Reporting Agency reporting the XXXX account on my consumer report. XXXX  has removed this account from my consumer report. I never gave XXXX  and Experian  written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX  and Experian  any written instructions to report this account. XXXX  and Experian  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX  and Experian  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX and Experian  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX  and Experian  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

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