Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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:
As private federal protect consumer I would like to point out your lack of responsibility when it comes to my consumer report. Unintentionally or intentionally doesn't matter. We are going to go from top to bottom with the Nemours of errors on my consumer report. To clear up any mix up with other peoples identity. I will include a copy of my ID, SSN and Proof of Address. First in foremost my name is XXXX XXXX XXXX ... .... Not XXXX XXXX REMOVE immediately. This is Violation Number 1. My only and accurate and MAILABLE address is XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ... .... remove XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated- Violation Number 2. My SSN is attached as well as you can see my SSN ends in XXXX. SSN 's listed are not mines XXXX as shown in the documents this may be a result of identity theft or compromised info being merged with someone else 's again you failed to insure the complete accuracy of my consumer report- Violation Number 3. Violation number 4 you failed to reinvestigate this account when it opened. this account is not mines XXXX XXXX Account number XXXX only phone service I ever been with is XXXX. this maybe an result of identity theft! I will look more into this matter to gather more information on this account from them. I am unable to locate the mailing of late payments from you or the creditor of XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment is due. Please explain Who you spoke with date and time and any documents proving requirements were meant. XXXX XXXX XXXX XXXX XXXX the account number it self is undefinable and inconsistent with metro 2 compliance not only that California State Statue on debt time limitation is 4 years. its funny how there's no data for almost 5 years and then want to start to report this is defamation of character and false representation at its finest to report on a debt it lawfully cant collect which some may call XXXX XXXX  This account needs to be removed immediately. Account XXXX XXXX XXXXXXXX is not in compliance with metro 2 format. 
I am aware of your attempts to delay the processing of many consumer 's disputes and challenges based on your belief that some consumers are working with a third-party such as a credit repair company. Your delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 

However, let me make it clear that my letters using were created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 5 1681i, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute, and lists out the exceptions, and will be considered willful disregard of my rights as a consumer and will be forwarded to my attorney for litigation purposes. There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist. 

Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent. Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you.

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