Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: PA
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, XXXX, and Experian 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 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 ( 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 & TRANSUNION 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 my report 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 XXXX INQUIRY DATE XX/XX/XXXX Phone XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX XXXX INQUIRY DATE XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX  Inquiry Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX INQUIRY DATE XX/XX/XXXX CONTACT INFORMATION PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX XXXX INQUIRY DATE XX/XX/XXXX CONTACT INFORMATION PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX   XXXX XXXX VA XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX-XXXX Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX  XXXX  XXXX  Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  NY XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX XXXX Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX DE XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX CONTACT INFORMATION Phone XXXX None XXXX XXXX XXXX XXXX DE XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX  XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX NJ XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX/XXXX  XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX None XXXX XXXX XXXX XXXX FL XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX CONTACT INFORMATION Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION Inquirer XXXX   Inquiry Date XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE REMOVE OFF CREDIT REPORT, CREDITOR HAS PROVIDED NO PROOF OF AUTHORIZATION

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