Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 



This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS XXXX XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES ALONG WITH LATE PAYMENTS THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS AND LATE PAYMENTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP, AND FRADULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP XXXX XXXX XXXX XXXX I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX XXXX. XXXX Experian Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX XXXX. Derogatory Derogatory XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # : XXXX Account Type : Collection Account Status : Derogatory XXXX XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory XXXX XXXX XXXX  XXXX Account # : XXXX Account Type : Installment Account Status : Derogatory XXXX XXXX XXXX  XXXX Experian. XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type Credit Card Credit Card Credit Card Account Status : Derogatory Derogatory Derogatory XXXX  XXXXXXXX Experian XXXX Account # XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Status : Derogatory Derogatory Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account XXXX : Collection Account Status : Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account Type XXXX Collection Account Status : Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account Type : XXXX Account Status : Derogatory XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Status XXXX Derogatory Derogatory Derogatory XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type. : Collection Collection Collection Account Status : Derogatory Derogatory Derogatory XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Status : Derogatory XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Status : Derogatory Derogatory XXXX XXXX Experian XXXX Account # XXXX XXXX Account Status : Closed Closed Open Date of Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX. XXXX Date of Last XXXX XX/XX/XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Experian. XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INACURTE INQUIRIES THAT NEED TO BE REMOVED Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Processing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX  XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX Auto Loans XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX TX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XX/XX/XXXX Experian XXXXXXXX XXXX XXXX Credit XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 1681 section 602 States I Have the Right to Privacy ! !!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

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