Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: NY
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:
under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CREDIT REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you and have a blessed day yours truly XXXX XXXX under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPOERTING ACCURATLEY. 
ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REORT. DELETE IT IFITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLLEY According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you.

i ask that the credit bureaus show me written documentation on how they verified each of the listed accounts i would need all of the paper work and any and all signatures on any paper work that is associated with all of the listed accounts all documentation on how these accounts have been verified to be mine as i have clearly given each of the credit agencies proof of identity theft as i never gave any financial institutions any written permission to allow a third party none affiliate to receive my personal information 15 USC 6802 clearly states i have the right to opt out which i have clearly done so

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