Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Greetings, This letter is a formal complaint that your agency has several INACCURATE fraudulent personal identifiers being furnished on my credit report. To clear things up, My one and only correct full name is : XXXX XXXX XXXX -as displayed on my drivers license. 

My correct and legally obtained social security number is : XXXX as displayed on my social security card. 

My date of birth is : XX/XX/XXXX -as displayed on my drivers license. 

My current correct address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE XXXX as displayed on my drivers license as well as my current utility bill attached to this letter. 

15 USC 1681e clearly outlines compliance procedures that you are required to follow PRIOR to furnishing information onto a consumers credit report. You have violated my rights by continuing to furnish incorrect, inaccurate, and unverifiable information onto my credit report. I have also kept the previous letters as well as the CFPB complaints just in case I need to notify my states attorney generals office of your agencys willful non-compliance. Whenever a consumer reporting agency prepares a consumer report, it shall follow REASONABLE procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please DELETE the following INACCURATE information listed below that is being furnished by your agency and no other agency to my credit report : Addresses : XXXX XXXX XXXX XXXX, DE XXXX Please delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete from my credit report. 

The next step will be to send invoices to your agency for each consumer violation visible on my credit report at the amount of XXXX USD. I give you only permissible purpose to furnish the things I have identified at the beginning of this letter, MY TRUE AND CORRECT PERSONAL IDENTIFIERS. I have validated this informtion with documents that I have attached with this letter : -Drivers License -Social Security Card -Utlity Bill -CFPB complaint I did not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified, invalid alleged personal identifier information. As a consumer you should understand the importance of my credit report and how inaccurate information is detrimental to my report and intentionally publishing inaccurate information after you have been notified by the consumer is a form of defamation of character. In accordance with the Fair Credit Reporting Act, consumer protection laws, I request that these NOTED items be deleted from my credit report. This must be completed within 30 days to avoid further violations and escalation. 

Please send a letter verifying your absoulute and total compliance to the above address, along with my updated credit report. Thank for your timely help in this matter. 

With Kind Regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX

Company response to consumer: Closed with explanation