Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom it May Concern, I am writing to inform you that upon reviewing a copy of my consumer report file, I have noticed several items that are erroneous, inaccurate, and illegal. Therefore, I am requesting the description of the procedure used to validate the accuracy and completeness of these items on my consumer report.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies dont have the right to report anything on a consumers credit file that isnt in accordance with the written instructions of the consumer. If you cant furnish verifiable proof with my signature on it, you have committed an illegal act and according to the Fair Credit Reporting Act, 15 U.S.C. 1681a ( q ) ( 3 ), this is enabling IDENTITY THEFT.

As a consumer exposed to identity theft, by law you must BLOCK this information from my file immediately once youve been notified according to 15 U.S.C. 1681c-2 within 4 days.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report.

Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ).

Under the FCRA 15 U.S.C. 1681i, all inaccurate or incomplete or can not be verified accounts must be promptly deleted. Please be aware that in several cases, the courts clearly ruled that the credit reporting agencies couldn't merely parrot information from the creditors, collection agencies, and other sources. All credit reporting agencies must conduct an independent and reasonable investigation to ensure the validity of the debt in dispute.

Do NOT shift the burden back to me, the consumer, to contact the original creditor to furnish verification. Also, pursuant to FCRA Section 623 ( a ) ( 3 ), if a consumer disputes an account, it must be marked as disputed. By publishing these inaccurate, incomplete, and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Therefore, this is my formal notice of intent to sue for your violations of the FCRA and I am seeking full remedy for damages. I am formally demanding {$20000.00} monetary compensation and deletion of allnegative accounts due to defamation of character and denial of credit.

If my demands are not met, a civil suit will be filed in small claims court in Georgia.

Here are the FCRA violations that I am seeking remedy for : -ID Theft enabling -Furnishing/Reporting inaccurate information -Old and outdated personal information -Reporting closed accounts as open/active -Illegal consumer report requests -Impermissible purpose Failure to follow debt dispute procedures -Failure to conduct reasonable investigation -Reporting missed and/or late payments wrong -Privacy Violations -Reporting old debt as new or re-aged -Reporting information from over 7 years ago -Failure to notify that consumer disputes -Duplicate accounts The following erroneous information appears on my consumer report and so I demand to see verifiable proof ( an original consumer contract with my signature on it and permissible purpose for all inquiries to my consumer file ).

Erroneous Personal Information Please DELETE these INACCURATE names, addresses, phone numbers, and employers from my personal information in my consumer file and UPDATE with the correct information. 

Name : XXXX XXXX Name : XXXX XXXX Name : XXXX, XXXX Name : XXXX, XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX GA XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : Employer : XXXX Employer : XXXX XXXX : XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : Please DELETE ALL numbers in my consumer files BESIDES XXXX XXXX XXXX My CORRECT and ONLY personal information is STRICTLY as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE NUMBER XXXX XXXX XXXX Inquiries Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature. 

XXXX XXXX XXXX XXXX XXXX  are NOT supposed to be on consumer reports as of XX/XX/XXXX. This account is past the statute of limitations for debt collection in GA. 

UNNAMED ACCOUNT XXXX XXXX XXXX are NOT supposed to be on consumer reports as of XX/XX/XXXX. This account is past the statute of limitations for debt collection in GA. 

Late Payments Please UPDATE the following accounts from my consumer file as I don't have any late payments unless you can furnish a detailed ledger of late payments for this closed account. If this account can't be verified with original signature it must be deleted. 

XXXX XXXX XXXX I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

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