Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report has entries thar have not been authorized by myself to report. In order for these entries to exist on my consumer report they must consist of several factors number 1 ) There was no validation of the any debt by actual accounting XXXX ) There was no validation of each creditor 's claim against me at all XXXX : ) there are No signed invoices between myself and any of these entities XXXX ) There was no binding contract between myself and any of these parties sent by certified mail so that a verification of the delivery has been made. XXXX ) There is no wet ink signature by both parties ever XXXX ) I was not told that I was creating a contract with my wet signature because there is none. A contract or a signature on my behalf or theirs. In fact a contract can not be made by a soulless legal fiction as these entities are therefore this did not and could not take place. Therefore no legal entities or a third party can collect on their behalf. 
Which makes that's inaccuracies a villain of my civil and constitutional rights By law you must delete these entries and information ( inaccurate entries ) They have unfavorably affected my life and my eligibility to obtain property and financial gain. 

Per the fair credit act statute The credit reporting agencies have improperly and unlawfully reported things in my consumer credit report that are erroneous and again have Not been verified to report ( all information on the report is inaccurate. I diligently tried to obtain property and other financial gain yet Experian XXXX and XXXX.. In fact and law each of these agencies has committed identity theft which is a problem and a crime. 
These in accuracies s have drastically changed the quality of my life for the worse. I also have entries that are erroneously reported that have been sold to collection agencies that do not have the legal right to collect on any of these alleged accounts that add started before have not been authorized or verified by me.. ..There was never the slightest attempt to contact me prior to reporting these things which is lawful per statute 602 of the Fair credit act. merged credit file occurs when a CRA totally combines the credit files of two or more different consumers into a single credit file so that ( a ) one consumer has a trove of personal and account information in his or her credit file ( and on his or her credit reports ) that does not and never did belong to that consumer, and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the consumer file. in other words this, happens when XXXX, Experian, XXXX, or XXXX places information that attempts to merge ( or more ) separate individuals into the credit file of just one of those individuals. As such there is a credit file of one or wow frequently another individuals can be totally or nearly merged due to these in accuracies and place then onto a report and into existence. Credit Files inaccuracies are a well-recognized issue at all major credit bureaus Generally, because credit bureaus like XXXX, Experian, and XXXX -- in violation of 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) -- fail to follow reasonable procedures to assure maximum possible accuracy of information that these CRAs report about consumers, mixed and merged credit files have been a well-recognized and frequently prosecuted problem for decades. Recently, the New York Attorney General filed charges and settled claims with XXXX, Experian, and XXXX concerning, among other issues, the prevalence of mixed files. The settlement agreement between the New York Attorney General and XXXX, Experian, and XXXX, dated XXXX XXXX XXXX, I am a victim of these blatant violations and am entitled to compensation if the information is not deleted. To protect my rights to maximum possible accuracy of information on your consumer reports ( based on common law defamation principles ) and to assure that only people who should see consumer reports about you do see consumer reports about you ( based on common law privacy principles ), the FCRA lays down the rules of the road for the credit bureaus, the companies that furnish information to credit bureaus, called furnishers, and companies that purchase consumer reports about you, called users. These agencies have not ever contacted me per the fair credit act statute .There was not ever a contract or signature provided to report these facts and or other which directly violated my personal professional and constitutional rights Furthermore The credit reporting agencies report with a person could report information on my report that is a different gender and a different name which is identify theft Please delete all entries my credit reports Delete all entries without harassing letters and or correspondence soliciting and explanation from me and an attempt to validate what they have already reported is unacceptable, respectfully erroneously and illegally reported entries will definitely be removed immediately.

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