Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: IL
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:
in accordance with the FCRA everything has to be a hundred percent correct on my report. the credit bureaus stated that my accounts were properly investigated but how is that possible if the opening day is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. That is grounds of removal and they also violated my rights under 15 USC 1681 section 6028 states I HAVE THE RIGHT TO PRIVACY 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without my written permission. I did not give written permission for this accounts to be furnish on my credit report 1. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. I insist that you update your information immediately as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately legal action may be necessary. Inaccurate data has no place in your records or on my credit report! 
XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
3. Identity Theft XXXX  XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Account Number : XXXX Please remove it from my credit report. 

Kindly square and eliminate all data coming about because of Identity Theft compatible to FCRA 605B ( 15 U.S.C. and 1681 c-2 ) which expresses that these records must be removed within 4 Business Days of receipt. 



XXXX XXXX XXXX 1. The following personal information is incorrect Identity Theft XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
I insist that you update your information immediately as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately legal action may  be necessary. Inaccurate data has no place in your records or on my credit report 2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. You have received PAID AS AGREED payment and need to remove the collection from my account as agreed. You agreed to do a pay for delete. 
3. XXXX XXXX XXXX Account Number : XXXX**** XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Kindly square and eliminate all data coming about because of Identity Theft compatible to FCRA 605B ( 15 U.S.C. and 1681 c2 ) which expresses that these records must be removed within 4 Business Days of receipt.

again in accordance with the FCRA everything has to be a hundred percent correct on my report. the credit bureaus stated that my accounts were properly investigated but how is that possible if the opening day is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. That is grounds of removal and they also violated my rights under 15 USC 1681 section 6028 states I HAVE THE RIGHT TO PRIVACY 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without my written permission. I did not give written permission for this accounts to be furnish on my credit report

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