Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to to CFPB to alert CFPB on Experian 's unwillingness to comply with consumer rights. I formerly advise Experian the report data has my incorrect address information, and request incorrect information be removed. This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute, pursuant to 15 U.S.C. 1692g ( b ) The following information in my attached file. I have annanoted the items that are inaccurate on the attached copy of the expression report I received. This complaint, should experian not resolve it to my satisfaction, may need to be escalated to the SEC. The Securities commission, do operate well beyond the Fair Credit Reporting Act and regulate companies both private, and Public under company code of conduct and ethical compliance, and regulatory, ALL of which are completely different regulations to Consumer Fair Credit Act, and regulations of SEC Experian is compiled and obliged to follow, including XXXX. 

Under the fair credit reporting act, this is to formally advise my address is not, nor ever has been : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Experian Address ID # XXXX, or XXXX XXXX  XXXX, XXXX XXXX, CA XXXX - Experian Address id # XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX - Experian Address ID # XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX - Experian Address ID # XXXX ( this street address is additionally zoned commercial retail shopping complex and is a non residential on a XXXX address search ), or XXXX XXXX XXXX XXXX XXXX, CA, XXXX Address Id # XXXX. In addition the Addresses in the notices section of the attached Experian report namly - - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX is un-failure address to me, and is an address I have not EVER been connected with. I dispute the accuracy of above listed addresses and request all referenced address be removed from my credit file and ALL credit accounts attached to them. 
Additionally, I have never gone by the alias " XXXX XXXX " Name ID # XXXX, enclosed is a copy of my current drivers license. I suspect XXXX is a typo from a credit provider unauthorized to pull my credit who never new my name. 

On the separate matter of enquires made showing on my file, I also annaote the enquiries pulled state reason as - " None Specified ''. The lenders pulling the credit are unknown to me, and I formerly advise they have no authorization from me to run credit, and Experian SHOULD not allow an a lender access to credit file without specified reasons. This is NOT a request for verification or proof, but a request for validation pursuant to the statute, pursuant to 15 U.S.C. 1692g ( b ). If its not accurate under the act its to be deleted. 
I formerly request the removal of ALL enquiries made on my file for no specific purpose or reason stated. 

The Ethical obligations of any company including EXPERIAN is not governed by the FAIR CREDIT ACT. It is Governed by the Securities Commission ( SEC ). The SEC regulate ethical code of conduct of and company, either public or private. Failure to comply with my requests will be Escalated to the SEC for review who operate - - outside of the fair credit reporting act, and have a much broader range of regulation authority pertaining to company codes of conduct and ethics than the fair credit act. 

Latly - There is EVIDENCE in Black and White cleary conflicting with credite reporting LAW on my file. XXXX XXXX XXXX XXXX. The date of delequincy is annotate with red arrow as XXXX It latter appars as first reported - XX/XX/2016. Note the SAME charge of amount appears on the credit report as " first date of delequiency under XXXX XXXX XXXX XX/XX/2016 4 months later in date. The same debt is clearly showing on the report as two seperate delequent accounts, and addational THREE seperate dates, when IN FACT, it is all one. As the attached EXPERIAN report red arrows shows its the EXACT SAME DEBT AMOUNT and the same debt FRAUDUANTLY being reported twice, with three seperate first deliquent dates. This is triggering EXPERIAN multipal counts of inaccurate information and incorect reporting all being reported by EXPERIAN. Under the fair credit act a charge off or sold debt can only lawfully remain on consumer report for a set time period of time, FROM the date the alleged debt first became delinquent, not several months after, being reported as " first opened/ occurred ''. This is NOT a request for verification or proof, but a request for validation pursuant to the statute, pursuant to 15 U.S.C. 1692g ( b ). Under the act its to accurate, or it must be deleted. I request the accounts deleted, due to inaccuracy of facts and descripencies in reporting.

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