Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: SC
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 reviewed a copy of my credit report and am disputing all items that need to be deleted under Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

a. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

2. Rights of federal regulators : The state shall serve prior written notice of any action under paragraph ( 1 ) upon the Federal Trade Commission or the appropriate federal regulator determined under subsection ( b ) and provide the Commission or appropriate federal regulator with a copy of its complaint, except in any case in which such prior notice is not feasible, in which case the state shall serve such notice immediately upon instituting such action. The Federal Trade Commission or appropriate federal regulator shall have the right -- A. to intervene in the action ; B. upon so intervening, to be heard on all matters arising therein ; C. to remove the action to the appropriate United States district court ; and D. to file petitions for appeal.

3. Investigatory powers : For purposes of bringing any action under this subsection, nothing in this subsection shall prevent the chief law enforcement officer, or an official or agency designated by a state, from exercising the powers conferred on the chief law enforcement officer or such official by the laws of such state to conduct investigations or to administer oaths or affirmations or to compel the attendance of witnesses or the production of documentary and other evidence.

4. Limitation on state action while federal action pending : If the Federal Trade Commission or the appropriate federal regulator has instituted a civil action or an administrative action under Section 8 of the Federal Deposit Insurance Act for a violation of this title, no state may, during the pendency of such action, bring an action under this section against any defendant named in the complaint of the Commission or the appropriate federal regulator for any violation of this title that is alleged in that complaint.

5. Limitations on state actions for violation of Section 623 ( a ) ( 1 ) : A. Violation of injunction required : A state may not bring an action against a person under paragraph ( 1 ) ( B ) for a violation of Section 623 ( a ) ( 1 ), unless- i. the person has been enjoined from committing the violation, in an action brought by the state under paragraph ( 1 ) ( A ) ; and ii. the person has violated the injunction.

f. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts. If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 

Thank you. 

1. XXXX  XXXX 2. XXXX XXXX 3. XXXX XXXX Credit Card 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. 



. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :

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