Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NC
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:
I have reviewed a copy of my credit report and there is information reporting to my credit report improperly. The following accounts has hindered me from obtaining more credit. As a consumer it is my right that my credit report is accurate accross all three burueas. I have compared my reports with each agency and the information reporting is either fraud, inaccurate, and not identical to each other bureau. I have filed multiple complaints with XXXX, EXPERIAN, & XXXX who have failed to take this matter seriously and properly report the correct information. Under section 605b of the FCRA, fraudulent information must be PERMANENTLY DELETED WITHIN ( 4 ) business days of receipt of this information and all notification must be sent the the required data furnisher. XXXX XXXX XXXX XXXX XXXX, have never owned a account with XXXX XXXX. UNDER SECTION 609A of the FCRA, this information must be VALIDATED by providing a orginal signed WET SIGNATURE contract stating that i owe a debt to this company. If this can not be provided this information must be deleted under FEDERAL LAW. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX  XXXX ( XXXX IS REPORTING THIS ACCOUNT TWICE with same account number, different balances, one account reports balance of {$590.00}, the other reports {$1100.00}. XXXX DELETED THIS ACCOUNT PER FCRA LAW AS WELL AS EXPERIAN, THIS ACCOUNT MUST BE DELETED PERMANENTLY WITH XXXX. A CONSUMERS CREDIT REPORT MUST BE 100 % ACCURATE WITH EACH AGENCY ), XXXX ( XXXX reports 3 late payments experian reports 1 late payment and unknow payment history, account is not reporting to XXXX, ACCORDING TO FCRA A CONSUMERS CREDIT REPORT MUST BE 100 percent accurate DELETE THIS AACOUNT IMMEDIATELY ). XXXX ( EXPERIAN REPORTS 100 percent payment history, XXXX reports 100 percent payment history, XXXX REPORTS 1 late payment, this account is inaccturacte and not VALIDATED BY SECTION XXXX of the fcra with original signed wet signature contract, DELETE THIS ACCOUNT IMMEDIATELY ). XXXX  XXXX ( UNDER SECTION XXXX of the FCRA fraudulent accounts must be permantely deleted within 4 business days. I have never opened account with this creditor in fact, they have failed to provide me with any original signed contract uunder secton 609a of the FCRA. XXXX REPORTS THIS ACCOUNT, EXPERIAN PERMANENTLY DELETED THIS ACCOUNT XXXX PERMANENTLY DELTED THIS ACCOUNT, this account mus be permanently deleted by XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX- XXXX ( I HAVE NEVER OWNED AN ACCOUNT WITH THIS COLLECTION AGENCY OR CREDITOR, under section 605B of the FCRA DELETE THIS ACCOUNT WITHIN 4 BUSINESS DAYS, experian reports this fraudulent debt, XXXX and XXXX does not report this fraudulent debt ). XXXX XXXX ( PLEASE PROVIDE ORGINAL SIGNED DOCUMENTATION UNDER SECTION 609A of the FCRA stating that I entered into any contract with this creditor. ALL DEBT MUST BE VALIDATED AND VERIFIED WITH ONLY WET INK SIGNATURE. DELETE THIS ACCOUNT IMMEDIATELY. ) XXXX XXXX XXXXXXXX THIS DEBT HAS NOT BEEN VALIDATED with WET INK signature contract. EXPERIAN DOES NOT report this. XXXX DOES NOT REPORT THIS, DELETE THIS DEBT IMMEDIATELY WITH TRANSUINON. each agency is in multiple violations of federal law, if this information is not DELETED, a fine will be imposed of XXXX per violation, per account which is being reported fraudulenty, impoperly, and not validated. I will follow up with each agency to ensure this matter is taken care of in a timely manner. Failure to comply will result in a lawsuit against each agency reporting this information. 





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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have attached a copy of my credit report from each buruea.

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