Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
After careful review of my report and study of my rights as a consumer under FCRA, XXXX, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXX Account numberXXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX Account numberXXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX creditor : XXXX XXXX BANK XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

XXXX XXXX XXXXOriginal creditor : XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect 0 per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

PORTFOLIO RCOriginal creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX  Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect 0 per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Record type Bankruptcy XXXXr XXXX-discharged Court XXXX XXXXXXXX XXXX XXXX XXXXXXXX Ive made multiple attempts to remove this reporting which has reached the status of limitations. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 Bureau : XXXX Creditor/Furnisher : XXXX Status XXXX In Dispute Bureau XXXX XXXX Creditor/Furnisher XXXX XXXX personal information Status : Bureau : XXXX Creditor/Furnisher XXXX Incorrect personal information Status : Bureau : Experian Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : Experian Creditor/Furnisher : XXXX XXXX  XXXX XXXX In Dispute Bureau : Experian Creditor/Furnisher : US SM BUS ADMIN ODA Status XXXX XXXX Dispute Bureau : Experian Creditor/Furnisher : XXXX Status : In Dispute Bureau : Experian Creditor/Furnisher XXXX XXXX XXXX : In Dispute Bureau : Experian Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : Experian Creditor/Furnisher : XXXX OF XXXX XXXX : In Dispute Bureau : Experian Creditor/Furnisher : Incorrect personal information Status XXXX XXXX : Experian Creditor/Furnisher : Incorrect personal information Status : Bureau : Experian Creditor/Furnisher : Incorrect personal information Status : Bureau : Experian Creditor/Furnisher : Incorrect personal information Status : Bureau : Experian Creditor/Furnisher : Incorrect personal information Status : Bureau : Experian Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : XXXX OF XXXX Status : In Dispute XXXX : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX BANK XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately.

Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, 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