Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX Account XXXX to XXXX XXXX XXXX XXXX late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 

XXXX XXXX Account numberXXXX Pursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 

XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

XXXX XXXXOriginal creditor : XXXX XXXX  Account numberXXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. Remove this DUPLICATE reporting from my account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
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 non-monetary relief