Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
15 U.S.C 1681 ( A ) ( 4 ) Here is a need to ensure that Consumer Reporting Agencies Exercise their grave responsibilities with fairness, impartiality And a respect for the consumers rights to privacy. 

15 U.S.C. Section 604 ( A ) ( 2 ) A consumer reporting agency can not Furnish an account without my written permission I AM NOW ENACTING MY CONSUMER AND CIVIIL RIGHTS TO COMPEL YOU TO ANNUL, with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, 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 XXXXXXXX XXXX XXXX Card Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX & XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX and XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX  Account Number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations , I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you via certified mail. It has been over thirty ( 30 ) days and according to the FCRA any complaint that goes past Thirty days MUST be removed from consumers ' credit reports. Any missed spelled or incorrect information must be removed from consumers ' credit report Amount of Debt {$460.00}. Date of Services : XX/XX/XXXX. 
Provider of Service : XXXX Bank XXXX of XXXX : XXXX. Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX  Amount of Debt : XXXX Date of Service : XX/XX/XXXX Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern : I would like to start this conversation off my requesting you cease and desist from further contacting me about another individual debt. I find it to reckless and a blatant disregard of privacy to share another persons information on what you believe that since my last name is XXXX that it must be me. 

The information you provided me is a VOID of my legal name and signature. Furthermore, your cut-and-paste tactics on the address are reckless and fraudulent. I have never requested from your office a debt validation letter, and I have never given your office any correspondence besides this one asking for anything, but that you CEASE & DESIST from contacting me about another persons debt.

Collections companies purchase debt for pennies on the dollar and then chase down what I call pin the tail on the donkey in hopes to collect money. The original company wrote off the debt on their taxes, and now companies such as this one use any tactics which are against the law and pay the big three ( 3 ) to furnish these untrue unproven statements on consumers credit reports which is WRONG! I have never given WRITTEN PERMISSION to XXXX XXXX I, XXXX to furnish anything against my credit report. 


Thank you XXXX XXXX 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