Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
To Whom This May Concern : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate if information has been found to be true and correct after a final verification of debt has been received and acknowledge by the debtor.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 

Per receiving my credit report from Experian and trying to dispute these unknown, unrecognized, unauthorized addresses, account 's and showing proof of ID theft this company has made it most difficult to submit these items for proof and it's becoming most taxing to my lively hood. 

I am doing this final and last attempt to clear my credit report of all erroneous information so that i may live the life i should as a American Citizen without lies and fraudulent information destroying my life.

Experian is reporting a phone number in a consumer fraud statement that isn't my phone number and i want it removed ( XXXX ) is not my phone number and never have been a number associated with me. My current phone number is XXXX and there is no other number associated with me or my name and any other number 's must be deleted. 

I did not ask for no fraud alert or extended fraud alert or consumer statement to be put on my credit report. They put this alert on my report from a third party and i did not express i wanted a alert put on my experian report. I want the false information deleted that your company isn't verifying from the correct source to be deleted and not put back on my report. I want these account 's blocked or verified because it isn't my account and I have proved that with you not verifying the debt and sending information showing that I owe this or these debt 's. 

I want that consumer statement removed from my credit report and i want my credit report to reflect it'a true nature not false information you have received from third parties and not the 605A.Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).

The Information below is the information and only information that should be in a credit file for me. I have given you all the current information and the latest information for the last two years. 

My Name is ( XXXX XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX XXXX I been at this address for three years. 
Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Ms XXXX I lived at this address for over 30 years. 

I am requesting that any other address you have associated with my report be deleted. I have listed all relevant addresses associated with me in my 46 years of living above. Their is a social security number that Experian is listing on my credit report that isn't mine and the only social security number that is associated with my name ( XXXX XXXX ) Social Security Number ( XXXX ) Date of Birth ( XXXX ) -- -- The last four of the social i see on my report is ( XXXX ) this number has nothing to do with me and i want it removed. 

I have asked and contacted this company XXXX about this fraudelent account and they had agreed to delete this item and had deleted the item but Experian has put it back on my report. The information is completely wrong and i have asked them to investigate this but have yet to do so. This account was charged off and all the subsequent information is showing updated but wasn't verified. This is a violation and is punishable by {$1000.00}. I want this verified and the verifiying company information sent to me and if it can't be verified i want my {$1000.00} and it deleted from my credit report. 

I have included a copy of the said ID Theft Report Requested For MY Report. I Want All Information Presently being Verified Verified and all verifying sources sent to me with names addresses and correspondence so i may follow up to make sure it was done with respect to my well being and not that of the debtor or alleged debtor. 

Any Dispute that is on my report other than ( Experian Business Credit ) on ( XX/XX/2022 ) and ( XXXX XXXX XXXX ) on XXXX. Any inquiries other than the companies listed are and has received my report without my consent and I want these inquiries removed. 

I want to opt out of any pre-screened offers that Experian has'nt opted me out of.

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