Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX . 
XXXX, TX XXXX XX/XX/XXXX 1st Account RE : Student loan : XXXX, last digits : NA XXXX, XXXX  and XXXX XXXX XXXX : I recently viewed a copy of my XXXX XXXX XXXX credit report indicating by XXXX that on XX/XX/XXXX, XXXX  XX/XX/XXXX and Experian XX/XX/XXXX a student loan was reported as being opened. A copy of the page from my credit report is enclosed. However, this open date seems to be inaccurate. Please tell me : XXXX, XXXX, EXPerian What was the opening date : A : XX/XX/XXXX B : XX/XX/XXXX C : XX/XX/XXXX D : All the above E : None 2nd Account RE : Student loan : XXXX, last digits : NA XXXX, XXXX  and Exp [ erain : I recently viewed a copy of my XXXX  XXXX XXXX credit report indicating by XXXX that on XX/XX/XXXX, XXXX  XX/XX/XXXX and Experian XX/XX/XXXX a student loan was reported as being opened. A copy of the page from my credit report is enclosed. However, this open date seems to be inaccurate. Please tell me : XXXX, XXXX, XXXX  What was the opening date : A : XX/XX/XXXX B : XX/XX/XXXX C : XX/XX/XXXX D : All the above E : None I think the FCRA says that if a credit reporting agency is reporting an account ( s ) in accurate the account shall be deleted? What do you all think, should a person have the right to furnish an account reporting negative information inaccurately or be trusted to furnish any information on my credit profile when they are inaccurately reporting the opening date? This could only mean that they have inaccurate information about my credit profile from the inception. Could you all please do me a favor and delete these accounts because it has inaccurate information that is defamation and problematic in regards to me attaining any interest in the eyes of lenders. Consider these STUDENT LOan Factually disputed Enclosed are copies of evidence of inaccurate information about these accounts starting with XXXX, last digits : NA ; labeled Exhibit : A and Exhibit B : I also request that you three tell whomever furnishes you all the information about my profile ; that you all are responsible for the corrected information upon furnishings. I believe that these accounts exist from someone that lives in my household or that generally visits. What type of due diligence did you all do before publishing information that might be inaccurate or accurate to ensure it is the maximum of accuracy. Wouldn't that make sense before the information was made available to you all clients? Yep, three major credit bureaus XXXX, XXXX  and Experian please take account of the procedures before you furnish information in association with my profile and let me know because it seems to be inaccurate. 

Please provide written confirmation of receipt of this letter, as well as the corrected status on the account and confirmation that notice of these accounts, requested to be deleted permanently, are disputed and blocked. 

I think these are the Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, 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 explanation