Consumer complaint received 2023-07-06
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:
To Whom It May Concern, going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements.

3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq.

5 ) 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 6 ) 605 Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] 7 ) 605A Identity theft prevention ; fraud alerts and active-duty alerts and active-duty alerts Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Accordingly, I request your company to provide verifiable documentary proof of the date of the payment in question ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. 

Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries.

Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 
I know that your company will need some sort of verification to prove my identity. My information is clearly shown below along with copies of my current identification and proof of residence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account is not mine XXXX, XXXX XXXX Please remove it from my credit report. 

The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from my credit report The inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this inaccurate information from 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