Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: OH
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:
Dear XXXX, XXXX, and EXPERIAN The Accounts Below Violates My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!! 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP. 



EXPERIAN/XXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT. YOU HAVE REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A PREVIOUS ADDRESS OF MINE, My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my ID and all my identifying documentation. I have never lived at those previous addresses, so, Experian, XXXX & XXXX can you please remove those other ( 3 ) addresses from my credit report, or else my lawyer and I will sue you for up to {$1000.00} per FCRA Violation? Also, EXPERIAN, XXXX, AND XXXX, I DEMAND YOU TO REMOVE ANY ACCOUNTS WITH THOSE PREVIOUS ADDRESSES ATTACHED TO THEM. THOSE WERE NEVER MY ADDRESS, AND YOU NEED TO REMOVE THAT XXXX NOW!!! BEFORE THIS XXXX GETS UGLY EXPERIAN, XXXX, AND XXXX I DEMAND ALL THREE CREDIT XXXX ADD THE CORRECT XXXX SPELLING OF MY XXXX NAME TO MY CREDIT REPORT!!! THIS IS SOME XXXX XXXX!!! MY XXXX NAME IS XXXX XXXX!!! THATS HOW I SPELL MY NAME SO TAKE THE REST OF THAT XXXX OFF MY REPORT!!! ALL THREE CREDIT BEAURAS ( EXPERIAN, XXXX, AND XXXX ) ALSO NEED TO ADD THE CORRECT XXXX BIRTHDATE TO MY CREDIT REPORT. MY BIRTHDAY IS XX/XX/1998, THATS IT, AND THATS ALL, SO I DEMAND ALL THREE CORPORATIONS TO UPDATE MY NAME AND BIRTHDATE NOW!!! 

XXXXEXPERIAN IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT, AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME, WHICH IS XXXX XXXX, NOT MY ACCURATE BIRTHDAY, WHICH IS XX/XX/1998, AND YOU ALSO DO NOT REPORT MY ACCURATE ADDRESS TO MY CREDIT REPORT, WHICH IS XXXX XXXX CT, XXXX, FL XXXX. So, I DEMAND YOUR CORPORATION TO UPDATE MY REPORT IMMEDIATELY TO AVOID A FCRA FINE OF {$1000.00} EACH VIOLATION. 

XXXXEXPERIAN/ XXXX NEEDS TO REPORT MY PAID OFF LOAN ALSO NEEDS TO REPORT MY FINATION CREDIT LOAN TO MY REPORT. I NEVER SAW THIS ON MY REPORT AS OF YET IT'S BEEN PAID OFF FOR 3 YEARS. THAT ACCOUNT AND MY STUDENT LOAN SHOULD BE MY ONLY REPORTED ACCOUNT, AND I HAVE NEVER MISSED A PAYMENT. Account Name : XXXX XXXX Account XXXX Experian I do not live in OHIO. I DEMAND YOU TO UPDATE MY ADDRESS XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX!! I LIVE IN XXXX, FL NOT IN XXXX, OR XXXX OHIO THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BEAURAS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!! 

The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY XXXX AND EXPERIAN CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!! 











Account Name : XXXX XXXX Account Number XXXX - XXXX/EXPERIAN THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.ALSO THE DATE LAST ACTIVE ARE COMPLETELY DIFFERENT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



Account Name : CREDIT COLLECTION SERV ( Original Creditor : XXXX  ) Account Number : XXXX - EXPERIAN THE ABOVE ACCOUNT BY CREDIT COLLECTION SERV ( Original Creditor : XXXX  ) WAS 100 % FRAUDulent, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX **** - EXPERIANXXXX THE ACCOUNT LISTED ABOVE BY XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY EXPERIAN/XXXX REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE THE OPENED DATE. AND ALSO, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY EXPERIAN.XXXX  CREDIT REPORT. 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN.XXXX  CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX Account Number : XXXX - EXPERIAN/XXXX  I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN/XXXX  CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!

Account Name : XXXX XXXX Account Number : XXXX - EXPERIAN I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIANCREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO, THE DATE LAST REPORTED, AND LAST ACTIVE ARE SO XXXX WRONG THE INFORMATION YOU guys ' GIVE IS TERRIBLE!

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX - EXPERIAN/XXXX  I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN/XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO THE DATE LAST ACTIVE ARE WRONG WRONG WRONG!!! XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN/TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name XXXX XXXX  Account Number : XXXX **** - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIANXXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX Account Number : XXXX EXPERIAN I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX EXPERIAN I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!! 

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) Account Number : XXXX - XXXX  THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) IS 100 % FRAUD. I DID NOT OPEN THAT ACCOUNT AT ALL, AND IT NEEDS TO BE REMOVED FROM MY XXXX CREDIT REPORT IMMEDIATELY. I WILL REACH OUT TO LOCAL AUTHORITIES AND XXXX XXXX XXXX AND XXXX XXXX IF THIS ACCOUNT IS NOT FULLY REMOVED FROM MY EXPERIAN CREDIT REPORT!!! 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX - EXPERIAN/XXXX THE ACCOUNT LISTED ABOVE BY XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY EXPERIAN/XXXX  REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE IS NOT XXXX AT ALL, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY EXPERIAN.XXXX  CREDIT REPORT. 

I DEMAND YOUR CORPORATION REMOVE THIS FROM MY EXPERIAN.XXXX  CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! 



Account Name : XXXX XXXX XXXXXXXX Account Number XXXX **** - XXXX THE ABOVE ACCOUNT BY XXXX XXXX  XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXXEXPERIAN/XXXX  THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Account Name : XXXX CARD Account Number XXXX - XXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT. 

THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 
THE ABOVE ACCOUNT HAS VIOLATED THE FCRA 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! AND I DID NOT OPEN THIS ACCOUNT. REMOVE IT!!! 



WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM EXPERIAN XXXX AND 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