Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: CA
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:
Respectfully, Dear CFPB, please help me! 
Recently, I did an investigation on my credit report with Experian and I found unverifiable, invalidated, inaccurate, and questionable items that their agency didn't make sure it was reporting 100 % correct. Experian is reporting and publishing inaccurate information ( tradeline ) accounts, late payments, collections and inquiries in their consumer reports allegedly concerning me. Their conduct has caused me a lot of distress, XXXX, and financially harmed me with out-of-pocket costs and loss opportunities.. The following account they are publishing about me is inaccurate because under 15 USC 1692 they are in violation of my consumer rights. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

LATE PAYMENT ERRORS : XXXXDEPT OF ED XXXX XXXXXXXX XXXX/DEPT OF XXXX XXXX XXXX, XXXX/DEPT OF ED XXXX XXXXXXXX XXXX/DEPT OF ED XXXX XXXX. 

COLLECTION/CLOSED : : XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX 

INQUIRIES : XXXX XXXX XXXXXXXX I request that they DELETE/REMOVE the above-listed FRAUDULENT accounts, late payments, collectionns and inquiries off my credit report. Please provide me an updated copy of my consumer report. Inform anyone that theyve reported the deleted information to that it has been properly deleted. If they conclude that the tradeline item is verified, how is this true when there are several inaccuracies showing on my report. I request details of your method of verification under 15 USC 1692g. For identification purposes, my social security # is XXXX and my date of birth is XX/XX/1970. I am enclosing a copy of my identification as proof of identity and mailing address along with a police report of fraud on my profile. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that Experian included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that they prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before they prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 
Regards, XXXX XXXX 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