Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NY
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:
Today 's Date is : XX/XX/XXXX I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. 
Please note : The personal information listed below requires attention My Accurate legal full name is exactly : XXXX XXXX I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
My Accurate complete address isXX/XX/XXXX XXXX XXXX XXXX XXXX, ny I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other addresses that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
My Accurate FULL legal Social Security is : XXXX If any other social security number is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other social security number is listed Please delete at once or provide evidentiary PROOF the legal right to retain such information. 
My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information. 
Thank You! 
XXXX XXXX XXXX # XXXX D.O.B. XXXX I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations. 
It is my understanding that Under the FCRA 15 U.S.C.? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 
Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleged Creditors : XX/XX/XXXXXXXX XX/XX/XXXX Date : XX/XX/XXXX, Account # : XXXX, Amount : {$15000.00}, Payment : {$0.00}, Issue : Identity Theft This car isnt mines. Its because Im XXXX. Thats what i was told. They said if you think you people can get away with anything your wrong. 
You will pay or we will ruin your credit. 
XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$15000.00}, Payment : {$0.00}, Issue : Identity Theft Identity Theft This car isnt mines. Its because Im XXXX. Thats what i was told. They said if you think you people can get away with anything your wrong. You will pay or we will ruin your credit. 

Compliance Explanation Approach : Provide Physical Proof of Verification. This is a noncompliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. 
As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still making unfounded claims in my report. 
I am seeking every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes as well as anything even unknown to be provide with required documentation. Otherwise DELETE PROMPTLY if there are any deficiency to provide requested information as Federally defined in a timely manner. 
I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily

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