Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
I have been experiencing issues with my credit file the past several months that began sometime in XX/XX/2017 where Ive received alerts that several accounts that were open under my social security that wasnt me inquiring or opening any new accounts. With that being said Ive contacted your companies for the past couple months and it has now been more than 6 months and I havent gotten a response from 4 previous disputes where I sent out certified mailed disputes to both the creditor, collection agencies, and the credit bureaus asking them to show me any original contracts with my signature. Well I still havent gotten any feed back from any of you for some time now. Since the last internal dispute, I realized that I need to take matters in my own hand and file a lawsuit against your company along with the collection agencies, and creditors for trying to collect a debt that I am unaware of and that isnt mine. You have violated by rights as a consumer and I have the right to take legal actions in a court room, which I have filed a lawsuit on your company this past Monday. I was told by my legal team that it was a step of taking actions and I have the right to do so because the credit bureaus, collection agencies, are under fire for erroneous information on consumers credit file. A hearing is set to take this in front of a judge where I will be seeking {$5000.00} in damages for all be errors, errored addresses, youve placed on my credit file. Youve used my consent and allowed someone to use my consent without contacting me so I have every right to sue your company. I am willing to go the distance to assure that you correct this information immediately by removing the errors listed on my credit file. I will be following up in less than 48 hours top to get information on who is looking at my file and which supervisor. This is the final good will letter, internal dispute, affidavit that I am sending. I have record of the certified letters I sent to you by certified mail. You guys really dont know how it feels to be affected by credit breaches, have your identity stolen, identity theft, and battle against all these obstacles while a credit bureau adds errors to a credit file this is the feeling Im going through at this moment. I am sick and tired. This isnt any factual records of any inquiries that belong to me these are errors that you have added to my credit and for that reason I have filed a lawsuit I know my laws and rights within the FCRA Sections 609, 611, 612 and more. Remember Ive asked your company to show me an original copy of the first contract used to determine or open the account. Tell me the process used step by step verification process that has to be done thoroughly conducted 100 % before you can accuse me of owing a debt or trying to collect money for an account I am unaware of. 
Errors : Unauthorized Inquiries : 1. XXXX 2. XXXX XXXX 3. XXXX/XXXX  4. XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX Error Accounts : 1. XXXX 2. XXXX 3. XXXX 4. XXXX  5. XXXX 6. XXXX XXXX 7. XXXX   XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX  XXXX   XXXX 11. 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 explanation