Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I advised these companies XXXX, EXPERIAN, AND XXXX that they are reporting incorrect information on my report and it needs to be removed IMMEDIATELY. Below are the accounts that are not mine!!! These companies need to verify this information and also send me the paperwork verifying i opened these accounts. Bankruptcy is still REPORTING EVEN THOUGH I'VE SENT PROOF NUMEROUS TIMES STATING ITS NOT MINE. XXXX XXXX is not reporting this bankruptcy and I've also reached out to the bankruptcy court, who advised me that they do not provide this type of information to the credit bureaus!!! Attached is the letter sent to me from the bankruptcy court! THESE ITEMS NEED TO BE DELETED IMMEDIATELY, YOU ARE VIOLATING MY RIGHTS! 
Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Are you familiar with the 15 U.S.C Sec. 1681i ( a )? Ive learned that if you cant provide proof, these accounts must be deleted. 

They also violated my rights numerous times! 

The credit bureaus violated my given rights under 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
This Auto Loan item is deficient as reported, and per federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the XXXX, XXXX  XXXX Any deviation from these standards jeopardizes the integrity of the data. Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested to comply with federal law. 
15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account name : XXXX XXXXXXXX XXXX 
Account numberXXXX Account name : XXXX Bankruptcy Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account numberXXXX Phone Number : XXXX NEED TO BE DELETED Address : XXXX XXXX XXXX, XXXX MI XXXX XXXX TO BE DELETED

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