Consumer complaint received 2020-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
**Hello, my name is XXXX XXXX . I have been trying to report about incorrect information over past years but it doesn't work so far. I see that some of the inaccurate addresses that are listed in my credit report. Please remove these addresses below as they do not belong to me and the inaccurate information below is intervening me from building my credit. I believe it may belong to someone else that has similar addresses to me. 
*********************************************^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Please investigate these** auto loans ** and ** real estate loans ** " XXXX XXXX XXXX " / Reported : XX/XX/XXXX " XXXX  XXXX XXXX '' / Reported : XXXX XXXX, XXXX " XXXX XXXX XXXX " / Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " XXXX  XXXX XXXX, XXXX '' / Reported : XX/XX/XXXX " XXXX  - XXXX XXXX '' / Reported : XX/XX/XXXX " XXXX  XXXX XXXX '' / Reported : XX/XX/XXXX I request to the credit bureaus to delete all the disputed items within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and filing lawsuit if not done. 
& & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & **CREDIT CARD `` '' XXXX  XXXX XXXX `` '' / Reported : XX/XX/XXXX THIS CREDITOR STATES I HAD LATE PAYMENTS ON XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 

Metro 2 Compliance Violation ( Not updating dispute status ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Not Including Creditor Contact Information ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ) This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A CREDIT CARD** " '' XXXX/XXXX  '' '' / Reported : XXXX XXXX, XXXX This account status was closed a long time ago. However, There are no information or account number about this credit card on my credit report. This derogatory account were reported in my account without my notice or any warning. I claim that that credit Bureaus intentionally put these information in my account for their personal benefits and for predatory lending purposes. 
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

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