Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
I have reviewed a copy of my credit report and noticed that there is information reporting to my credit report that is not mine, incosistent and not validated. Under section 609a of the Fair Credit reporting act, all information must be verified with a WET INK signature contract stating that I entered into a contract with these companies. I have disputed this information multiple times and nothing has changed. These comapnies have provided me with nothing but stall letters stating that I am not the person who sent in the disputes or that they were verified. I have CONTACTED XXXX XXXXXXXX who has ensured me that they have not verified any of these debts to any third party agencies. So who did these comapnies verify this information with. There are multiple violations and I am entitled to {$1000.00} per violation that is incorrect and inconsistent on my credit report.

The following accounts are involved in LITIGATION. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 

XXXX XXXX XXXX. Experian reporting 30 days late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. BALANCE {$7600.00}. XXXX REPORTING LATE XX/XX/XXXX, XX/XX/XXXX BALANCE {$5000.00}. XXXX REPORTING 30 DAYS LATE XX/XX/XXXX, XX/XX/XXXX. I COULD I BE LATE and NOT late in the months in between. THIS ACCOUNT IS NOT ACCOURATE YOU MUST DELETE PERMANENTLY. BALANCES ACCROSS ALL 3 burueas are INCCORRECT. 

XXXX XXXX. ACCOUNT IS NOT MINE. The following accounts are involved in LITIGATION. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 


The following accounts are involved in XXXX. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 
XXXX XXXX. 


The following accounts are involved in XXXX. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 
XXXX XXXX XXXX XXXX. This account is not validated or verified. 

The following accounts are involved in XXXX. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 
XXXX XXXX XXXX XXXX. UNDER SECTION 605b of the FCRA. FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED WITHIN 4 BUSINESS DAYS.

The following accounts are involved in LITIGATION. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 
XXXX XXXX XXXX. THIS DEBT IS NOT VERIFIED or VALIDATED. 

The following accounts are involved in LITIGATION. 
I have not supplied proof under the doctorine of estoppel by silence, Engelhart v Gravens ( MO ) XXXX XXXX XXXX XXXX I May Presume that no proof of the allleged Debt, nor thereof any such debt in fact exists. 

XXXX XXXXXXXX. THIS ACCOUNT IS ONLY REPORTING TO XXXX. THIS ACCOUNT IS NOT MINE AND IS INVOLVED IN LITIGATION. DELETE IMMEDIATELY. CREDIT REPORTS MUST BE ACCURATE ACCROSS ALL XXXX burueas. 





The following hard inquires are fraudulently inqquires. I have contacted each creditor who has failed to provide me with any original wet signature contract stating that I authorized them to run my credit report. These hard inquiries must be deleted within 4 business days XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date 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 non-monetary relief