Consumer complaint received 2019-10-13
Company: Experian Information Solutions Inc.
State: NY
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:
Responding to CFBB XXXX on XX/XX/XXXX XXXX in part responded pending investigation which will be completed on/or before XX/XX/XXXX 21 days after the promised completion date the completion is still to be reported. 

1. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX or immediately remove this FRAUD from my credit report.

2. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX XXXX or immediately remove this FRAUD from my credit report. 
3. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX or immediately remove this FRAUD from my credit report.

4. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX or immediately remove this FRAUD from my credit report.

5. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX or immediately remove this FRAUD from my credit report.

6. The name on my birth certificate, social security card and NYS drivers license is XXXX XXXX XXXX XXXX. Please provide the name and contact information for XXXX XXXX or immediately remove this FRAUD from my credit report.

7. Please provide the name and contact information for this FRAUD address or immediately remove this FRAUD from my credit report.

8. Please provide the name and contact information for this FRAUD employer or immediately remove this FRAUD from my credit report. 
9. The credit limit needs correction from {$4000.00} to {$5500.00}. Please correct. 
10. The balance needs correction from {$2400.00} to {$1200.00} making needed credit utilization from 62 % to 23 %. Please correct and email XXXX impacting increase in credit score.

11. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX   removal from attached XXXX XX/XX/XXXX XXXX XXXX  creditReport_1566216126041.pdf and XXXX XX/XX/XXXX XXXX   investigation XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove Failed to Pay FRAUD.

12. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX removal from attached XXXX   XX/XX/XXXX XXXX XXXX   creditReport_1566216126041.pdf and XXXX  XX/XX/XXXX XXXX   XXXX XXXX results.pdf credit reports. XXXX reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX XXXX XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove 30 Days Late FRAUD.

13. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX removal from attached XXXX   XX/XX/XXXX XXXX XXXX creditReport_1566216126041.pdf and XXXX XX/XX/XXXX XXXX   XXXX XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove 90 Days Late FRAUD.

14. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX  removal from attached XXXX XX/XX/XXXX XXXX XXXX  creditReport_1566216126041.pdf and XXXX XX/XX/XXXX XXXX   XXXX XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove subscriberdata furnisherresolved FRAUD.

15. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX removal from attached XXXX XX/XX/XXXX XXXX XXXX creditReport_1566216126041.pdf and XXXX XX/XX/XXXX XXXX   investigation XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove {$740.00} FRAUD until XXXX justifies in detail its calculation/determination of the {$740.00} alleged balance. 
16. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX removal from attached XXXX   XX/XX/XXXX XXXX XXXX creditReport_1566216126041.pdf and XXXX  XX/XX/XXXX XXXX   investigation XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove XX/XX/XXXX FRAUD.

17. Responding to CFBB XXXX and its attached files XXXX contradicted the fact that justified XXXX   removal from attached XXXX  XX/XX/XXXX XXXX XXXX creditReport_1566216126041.pdf and XXXX XX/XX/XXXX XXXX   XXXX XXXX results.pdf credit reports. One reason being XXXX refuses to listen to clear audio evidence, CFBB XXXX attachment : XXXX XX/XX/XXXX extension granted no credit impact call_11-30-48_IN_4132751403.aac ( 3.3 MB ) of its employees XX/XX/XXXX payment extension and refusal ( ongoing justification refusal as of XX/XX/XXXX ) to justify calculation/determination of the {$740.00} alleged balance to receive XX/XX/XXXX ( XX/XX/XXXX employee communicated payment date ) payment. CFBB has this audio payment extension to verify. Please immediately remove {$740.00} FRAUD until XXXX justifies in detail its calculation/determination of the {$740.00} alleged Past Due Amount.

Furthermore CFPB marked as duplicate complaint CSPB XXXX, a further obstruction to truth. 
Please be advised of IRS advised identity theft and necessary use of PIN.

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