Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: TX
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:
Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1700.00} High Balance {$1700.00} Remarks Consumer disputes this account information Collection accountXX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$460.00} High Balance {$410.00} Remarks Consumer disputes this account information Affected by natural disaster all above are debt collection violations : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]  XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} XXXX XXXX XXXX violations : XXXX to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to XXXX Data Breach XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XXXX  XXXX XXXX Account Type Installment Sales Contract Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- XXXX XXXX  Account Type Charge Account Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$4500.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Fixed rateXX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 'XXXX   violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
You visited this page on XX/XX/XXXX. 
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Searches related to XXXX ftc violations XXXX XXXX suing me XXXX XXXX customer service XXXX XXXX complaints XXXX XXXX payment XXXX XXXX debt settlement XXXX XXXX home plus phone number Page NavigationXX/XX/XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXXXXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date --

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