Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: IL
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached  ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX 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. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX - XXXX Account # XXXX Account Status Contact Information XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Contact Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX   Account # XXXX Contact Information XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX  XXXX XXXX Account # XXXX Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX  XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX THIS ACCOUNT STATES I WAS LATE 30,60,90 DAYS LATE ON XXXX, XXXX, XX/XX/2016 HOWEVER I WAS NEVER LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THESE LATE PAYMENTS AND REPORT AS ON TIME Collections : XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED A DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT Public Record Type Chapter XXXX bankruptcy discharged Source Type U.S. Bankruptcy Court Docket  Number XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND THIS COURT CAN NOT PRODUCE ANY PROOF OF ANY AGREEMENT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THEY HAVE THEIR RECORDS INCORRECT Public Record Type Chapter XXXX bankruptcy dismissed Source Type Federal District Docket Number XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND THIS COURT CAN NOT PRODUCE ANY PROOF OF ANY AGREEMENT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THEY HAVE THEIR RECORDS INCORRECT Public Record Type Chapter XXXX bankruptcy dismissed Source Type Federal District Docket Number XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND THIS COURT CAN NOT PRODUCE ANY PROOF OF ANY AGREEMENT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THEY HAVE THEIR RECORDS INCORRECT Public Record Type Chapter XXXX bankruptcy dismissed Source Type Federal District Docket Number XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND THIS COURT CAN NOT PRODUCE ANY PROOF OF ANY AGREEMENT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THEY HAVE THEIR RECORDS INCORRECT

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