Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME- XXXX XXXX XXXX Account # : XXXX Late Payments : XXXX XXXX EXPERIAN, XXXX -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACCOUNT NAME- XXXX XXXX XXXXXXXX XXXX Account # : XXXX Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ACCOUNT NAME- XXXX XXXX XXXX XXXX  Account # : XXXX Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX EXPERIAN, XXXX, XXXX -- -- -- -- - ACCOUNT NAME- XXXX XXXX XXXX XXXX  Account # : XXXX Late Payments : XXXX, XXXX, XXXX, XXXX, EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- ACCOUNT NAMEXXXX XXXX XXXX XXXX XXXX Account # : XXXX Late Payments : XXXX, XXXX EXPERIAN -- -- -- -- -- -- -- -- -- XXXX -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACCOUNT NAME- XXXX XXXX XXXX Account # : XXXX Late Payments : XXXX, XXXX EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACCOUNT NAME- XXXX XXXX XXXX Account # : XXXX Late Payments : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX EXPERIAN XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- ACCOUNT NAME- XXXX XXXX XXXX Account # : XXXX LATE PAYMENT : XXXX, XXXX EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ACCOUNT NAME- XXXX XXXX XXXX ( Original XXXX : XXXX PROP XXXX XXXX ) Account # XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX EXPERIAN -- -- -- -- -- -- XXXX -- XXXX ACCOUNT XXXX XXXX  XXXX ACCT # : XXXX ACCOUNT CLOSED BY XXXX XXXX XXXX, XXXX CANCELED BY XXXX XXXX -- -- -- - ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # : XXXX LATE XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT XXXX : XXXX LATE PAYMENT : XXXX EXPERIAN, XXXX, XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX  - General XX/XX/XXXX Experian ACCOUNT NAME- BK OF AMER All Banks - non specific XX/XX/XXXX Experian ACCOUNT NAME- XXXX XXXX XXXX  Miscellaneous XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian ACCOUNT NAME- XXXX XXXX XXXX other than XXXX XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XX/XX/XXXX Experian ACCOUNT NAME- XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX other than personal XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT NAMEXXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX  Miscellaneous XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX  Bank Credit Cards XX/XX/XXXX Experian TO MAKE THE DELETION PROCESS EASIER FOR YOU , ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
ACCOUNT NAME- XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealers, New XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX  Credit Unions XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian. 
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  Automotive XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

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