Consumer complaint received 2023-05-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca, XXXX Subject : Dispute and Request for Restitution for Inaccurate Reporting and Unauthorized Disclosure of Information Dear reporting companys I am writing to dispute the accuracy of the information contained in my credit report, which has caused significant harm to my financial standing and personal reputation. Furthermore, I would like to bring to your attention the unauthorized disclosure of my personal information to third-party collectors without my permission. 
XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Typ Date Opened Status XXXX Debt Buyer XXXX XXXX Collection account. {$310.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$310.00} XX/XX/XXXX {$310.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$310.00} 1 Month Individual Experian Credit Report As of : XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Typ Date Opened Status XXXX XXXX XXXX Collection XX/XX/XXXX Collection account. {$310.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$310.00} XX/XX/XXXX {$250.00} 0 % Status Updated Balance Balance Updated Original Balance Paid Off Monthly Payment Past Due Amount Terms Responsibility {$310.00} 1 Month Individual Inaccurate Reporting : It has come to my attention that the two accounts listed listed above on my credit report, is not mine. I can provide substantial evidence to support my claim that I was XXXX during the time this account was allegedly opened. I request an immediate investigation into this matter to rectify the inaccuracies in my credit report and remove the erroneous information. 

Unauthorized Disclosure of Information : I am deeply concerned to learn that my personal information has been disclosed to multiple collection agencies without my authorization. This unauthorized disclosure has caused undue distress and potential harm to my financial well-being. I demand an explanation for this breach of my privacy rights and the immediate cessation of any further disclosure of my personal information to third parties. 

Considering the significant financial and reputational damages I have suffered as a result of these errors and unauthorized disclosures, I request the following actions : a ) Removal of the erroneous accounts from my credit report and any associated negative remarks. 

b ) Investigation and confirmation of my claim that I was XXXX during the time the account was allegedly opened, with proper adjustments made to my credit report accordingly. 

c ) maxium Compensation for the damages caused by the inaccuracies in my credit report, including but not limited to denial of credit opportunities and any related financial losses. 

d ) Assurance that my personal information will be handled in accordance with applicable laws and will not be disclosed to unauthorized parties without my explicit consent. 

I kindly request that you provide a written response within [ reasonable time frame ] acknowledging the receipt of this dispute and outlining the steps you will be taking to investigate and address the issues raised. Failure to respond appropriately to this dispute may result in further legal action. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost professionalism and take the necessary actions to rectify the inaccuracies and privacy violations promptly. 

Sincerely, 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