Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: PR
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:
I AM THE CONSUMER -- -- XXXX XXXX ... AND I ON MY OWN BEHALF AUTHORIZE MY COMPLAINT.. MY HERE WITH FILED IDENTIFICATION DOCUMENTS CERTIFY I AUTHORIZE THIS DISPUTE ... ... ... .... UNDER AUTHORITY OF THE FARI CREDIT REPORTING ACT ( FCRA ) ... ... ... .THIS DISPUTE AND MY VALID GOVERNMENT IDENTIFICATION DOCUMENTS FILED HEREWITH ... .... ALL MEET ALL CONSUMERSBURDEN OF PROOF AND ACTION UNDER THE FCRA.. AND IS A VALID CONSUMER CREDIT DISPUTE. EXPERIAN AND CFPB BOTH HAVE A MINISTERIAL DUTY TO COMPLY WITH THE FCRA AND INVESTIGATE AND RESOLVE MY CONSUMER DISPUTE IN COMPLIANCE WITH LAW WITHOUT ANY FURTHER BURDEN OF PROOF REQUIREMENT OR XXXX XXXX XXXX TACTICTS TO EVADE THE FCRA ... ... ... ... ... ... XXXX CONSUMER DISPUTE against : EXPERIAN INC DEAR EXPERIAN XXXX Im XXXX XXXX SSN : XXXX ( Experian Member ID : XXXX ), I filed and Authorize this dispute, which is certified with my signature. For identity verification purposes I have attached copies of my valid I.D . Card with my current correct address, and my military ID, and my Social Security Card, and XXXX bank statement. 

I am filing this Military consumer dispute, because Experian is reporting wrong personal address information and unauthorized account belonging to another person, ( I did not agree to be on ) is being wrongly reported by Experian in my credit file, in violation of The Fair Credit Reporting Act ( FCRA ) ; I dispute and request Experian REMOVE an unauthorized XXXX account XXXX ( that is not mine ), and to correct my address and other information, which is being reported incorrectly. 

1 - I DISPUTE as unauthorized - XXXX ACCOUNT XXXX ( IS NOT MINE ), Experian is wrongly reporting and unauthorized account listed by Experian as XXXX Bank XXXX : in my consumer credit file in violation of the Fair Credit Reporting Act. Not now NEVER... I DID NOT open that XXXX account I DO NOT own that XXXX account... that XXXX account is not mine... I DID NOT authorize, that XXXX account is not authorized by me... I DO NOT use that XXXX account... I Do NOT agree to be an authorize user of that XXXX account,... I DO NOT Have any agreement with XXXX None. 

I DISPUTE request immediate removal of XXXX bank credit account XXXX from my Experian credit file. 
-- -- -- -- -- -- -- -- - 2 - I DISPUTE as WRONG all ADDRESS INFORMATION being reported by Experian IS NOT my current address and are all WRONG incorrect, in violation of the Fair Credit Reporting Act. My correct current address and bio data as shown on my ( attached ID and Social Security Card ) is : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DOB : XX/XX/1985 SSN : XXXX PHONE : XXXX I DISPUTE and request Experian to immediately now correct my address as shown in my identification card I have attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 3- I also request free copy of my Experian Credit Report. That after Experian completes removal of the unauthorized XXXX Account and corrects my address and information in my file, I ask Experian to mail me a FREE copy of my corrected credit report. 

My identity documents are attached below : - Social Security Card - Military ID - Puerto Rico ID - Bank Statement - Experian Dispute Form - Experian Dispute Cover

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