Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
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 SSN! 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, passport, driver 's license, and birth certificate. 
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 WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENT 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 NUMBER - XXXX - XXXXEXPERIANXXXX  ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXXEXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX XXXX XXXX ACCOUNT XXXX - XXXX - XXXX/EXPERIAN/XXXX ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX XXXX XXXXEXPERIAN/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX XXXX XXXX XXXX/EXPERIAN/XXXX  ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - ACCOUNT NUMBER - XXXX - XXXX/EXPERIAN/XXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Bank XXXX XXXX XX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian

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