Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: CO
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:
Hello, back in XXXX of 2022 I filed a dispute against the items listed on my credit report. A rep from Experian picked up my dispute from the po box they have listed, delivered via Priority Mail USPS w/ confirmation. Experian took over 45 days to respond, and then told me they couldn't find my dispute, although it was delivered to them ( XXXX ). I asked Experian to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked Experian to give me documentation on how they " verified '' the information as accurate in under XXXX hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 

There are no inquiries on my report, because I didn't authorize these accounts to check my credit report. This is another violation of my rights. 

So I'm writing you to investigate the following actions of Experian for the following items and reasons : Experian XXXX  XXXX  : Account : XXXX Reason : This account does not belong to me. I have never lived at the address the account was created at as well. Please delete this from my report XXXX FRES : Account : XXXX Reason : This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX FRES XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX CAPITAL XXXX Account : XXXX This account does not belong to me. They have removed this inaccuracy from my XXXX and XXXX accounts. I have never lived at the address the account was initiated. In accordance with the Fair Credit Reporting act XXXX CAPITAL XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report. 

XXXX XXXX XXXX  SUPPORT : XXXX This account is over XXXX XXXX XXXX, and should be removed as I have never had a contract with them stating I agreed to this, or authorized them to report to my credit report. This account should be removed due to the statute of limitations for XXXX XXXX reporting. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete this from my report.

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