Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: OH
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:
According to my recent credit report request from XXXX, XXXX, and Experian credit bureaus, 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 168162 ( 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 & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681 c ] ( 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 many be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ]. The credit reporting agencies, Experian, XXXX, XXXX  Credit Bureaus need to provide me with copies of all documentation associated with these Public record Accounts bearing either a court order to place this information in my credit report, or my AUTHORIZATION OF RELEASE BEARING MY SIGNATURE. In the meantime, to be in full compliance with FCRA laws and guidelines, all the information listed under Public Records need to be immediately deleted from the credit file you maintain under my name and social security number. All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED UNITED STATES BANKRUPTCY COURT OF XXXX OHIO Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX, Ohio XXXX, ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX Account # XXXX Contact information XXXX. XXXX  XXXX, XXXX, PA XXXX, Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT this account is still on my account and have not been released I have written and requested for it to be deleted off my credit report and the credit reporting agencies are uncooperative to remove this account. XXXX XXXX XXXX XXXX Account # XXXX, Contact Information : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX, m Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX : Account # XXXX, Contact Information : XXXX. XXXX  XXXX, XXXX XXXX XXXX, UT XXXX, Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX/XXXX 's Account : XXXX, Contact Information : XXXX XXXX XXXX, XXXX, OH XXXX, Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX XXXX XXXX Account:XXXX, Address : XXXX XXXX XXXX XXXX XXXX, XXXX , NC, XXXX, Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX/XXXX XXXX Account : XXXX Contact Information : XXXX XXXX. XXXX XXXX, XXXX, FL XXXX, Phone ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX/XXXX   Account : XXXX Contact Information : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX XXXX/XXXX  Account : XXXX Contact Information : XXXX XXXX XXXX. XXXX XXXX, XXXX, WI, XXXX, Phone : ( XXXX ) XXXX this account is still on my account and have not been released I have written and requested for it to be deleted off my credit report and the credit reporting agencies are uncooperative to remove this account, I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX XXXX XXXX XXXX Account : XXXX Contact Information : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX, Phone : ( XXXX ) XXXX I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX XXXX XXXX Account : XXXX, Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Phone ( XXXX ) XXXXI HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. XXXX/XXXX   Account : XXXX, Contact Information : XXXX. XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX, this account is still on my account and have not been released I have written and requested for it to be deleted off my credit report and the credit reporting agencies are uncooperative to remove this account. I HAVE NO CONTRACT OR AGREEMENT WITH THIS CREDITOR AND THEY HAVE REPORTED DEROGATORY ON MY REPORT PLEASE REMOVE IT OFF MY CREDIT REPORT. I want this new investigation done so that we can actually VALIDATE this public record with proper documentation and/or contract agreement. I was also told bankruptcies are not reported to the credit bureaus and they do no verify bankruptcies. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send me an accurate report as soon as your investigation is complete. Thank you for your cooperation. XXXX XXXX XXXX

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