Consumer complaint received 2019-01-07
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: Information belongs to someone else

Complaint:
According to my recent credit report request from XXXX, Experian, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( 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 1681 23 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on myreport that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX  XXXX ACCOUNT NUMBER # 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. 

XXXX  XXXX XXXX ACCOUNT # XXXX This account states I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but i was never late on this account and the creditor has agreed to remove these lates and report this account paid on time. 

XXXX/XXXX Account Number # 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. 



XXXX XXXX  Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX UNAUTHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX, ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX UNATHORIZED INQUIRY WITHOUT MY CONSENT OR PERMISSION PLEASE REMOVE

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