Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
***Dear to whom it may concern, My name is **XXXX XXXX** , I have been trying to report inaccurate account in my credit report for a year and The credit bureau always avoid their responsible to review my report by any excuses and tactic they can make. I want a real person who really have authority and responsible to review these incorrect account in the time frame of 30 days according to Fair Credit Reporting Act. 
**Name** XXXX, XXXX, XXXX This name is incorrect. Please delete it. 
**Addresses** XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are either old and incorrect, I have enclosed proofs of my current address in the attachment box below. 
**Employment info** XXXX  XXXX This employment is not mine, I don't have any business with them. Please remove it. 
**Other loans** XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information **Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any mailed disclosure or even a notice about this collection. Provide me proofs that you have sent me any notice or you must delete this inaccurate account. 
**Hard Inquiries** XXXX  XXXX Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX  Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX   Inquiry : XXXX XXXX, XXXX Travel/Entertainment UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** XXXX  XXXX  XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report

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