Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is ***XXXX  XXXX . I have been repeating complaining process for a year. However. none of my request has been fulfilled and the CREDIT BUREAUS always refuse to review and remove inaccurate items of my account. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, XXXX, and Experian and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not ' help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address. 
**Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX These address are either not belong to me or old. I have attached proofs of my current address below. Please check it!!! 
**Auto Loans** _XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification. Moreover, section [ 15 U.S.C. 1681i requires the credit bureaus to reinvestigate each and every disputed item and to complete the reinvestigate each and every disputed item and to complete the reinvestigate or delete all the disputed items within one month. ** How this account can update an remark " disputed resolved " when I don't receipt any description of the procedures with your reinvestigation. 
**Hard Inquiries** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Inquiry :  XXXX XXXX, XXXX Auto Financing UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg.  Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection*** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have any financial obligation with this company. So please delete it. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
_XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information ) I kindly ask the CFPB to aid me in the Ex Parte of the REMOVAL of all of the above accounts as all investigations on the items in question have not been verified and passed the legal time frame of 30-45 days. I have validated all debts from these creditors and filed complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and have not received any proof that items belong to me. 


Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 
**All the collection that i have listed above are in violation of the FCRA [ 15 U.S.C. 1681l ] " Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent. First of all, these collections are not authorized by me as I am the only authorized user on my credit report. I also never receipted any disclosure or notice before these account are listed on my report which is VIOLATION OF the FCRA [ 15 U.S.C. 1681l ]. Secondly, These collections are not belong to me and the credit bureau don't have any proofs, my signed contact. They just want to ignore my request and try to steal my money as their dirty ways. In addition to that, after my complaint, I receipted no reinvestigation description of all the disputed items when the Credit Bureau update remarks " dispute resolve '' on these account.

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