Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: NC
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:
There is a company called XXXX XXXX XXXX that is reporting unverifiable and invalid entries into my credit report for several years without my consent and several disputes with all three credit bureaus regarding this exact complaint : I have no knowledge of this account that XXXX XXXX XXXX is reporting to the credit bureaus with two separate entries, please see the attached documents for reference. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) outlines a consumers right to order copies of their credit report and the information that appears on it for all to see and know including creditors and consumers alike ; it is crystal clear and non compliance is illegal and unfair to the consumer. 

Section 609 asserts your right to a copy of all the information in your credit file Including : XXXX. All of the information in your consumer credit files. 

XXXX. The source of that information. 

XXXX. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 

XXXX. Businesses that have made soft inquiries within the past year. 

XXXX. 

Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed and the same goes for creditors that report to the credit bureaus directly or indirectly and all parties are liable for inaccurate postings or reports to the credit bureau, the law is very clear. 

And, by law, the credit bureaus are obligated to provide a description of the dispute process if you request it in writing and to actually investigate a dispute. 

For example, we can use this complaint as example here : XXXX. A dispute of ownership or consumer complains of no knowledge of an account and requests All information in that specific credit file specific to each separate entry as desired as I have done here several times with XXXX, Experian, and XXXX, and was ignored. 

To date, all three credit bureaus have not, can not, and will not comply with federal law and remove these two bogus collection reports to the three credit bureaus by XXXX XXXX XXXX because they cant. 

There is no signed agreement, contract, application for credit or any other form signed by me agreeing to pay these two specific amounts even if they are balance amounts from a paid account I did agree too, but it does not exist. 

I am entitled this information from the creditor that is reporting this bogus collection and the credit bureaus including the specific services relating to every penny that I agreed to pay at any point. 

I am not responsible for paying a bill with an amount owed thrown together arbitrarily and the specific and unique goods or services in the collection, but most importantly, that I agreed to by signature or contract, application fir Credit, and gentleman, this is exactly what has not been done here at any level because no agreements exists : even if they did, all services or goods unique to the collection must also be provided along with the documents just discussed. 

Again, no summary of actions taken to validate or make the collection claim verifiable in this case has not been completed by law and all three bureaus are in contempt and XXXX XXXX XXXX has not provided the necessary documents as discussed above even after sevral complaints and disputes even though required by federal law during a dispute investigation. 

All three bureaus and XXXX XXXX XXXX, as requested by me several times, even after I filed fraud complaints for these two entries on my Credit report by XXXX XXXX XXXX 

I also filed same with the three credit bureaus, thus far, no documentation or valid response has been delivered to me in any shape or form with regards to providing to me ALL documents requested by me, the consumer. 

By federal law, my dispute MUST be responded to, with, the appropriate media ; A copy of the consumers ( me ) original signed application for credit bearing the consumers own signed signature, a contract with the original entity making claim bearing the signature of the consumer, or copy of original agreement bearing the consumers signature showing an agreement to pay a specific amount representing this collection amount being reported to the credit bureaus by, in this example, XXXX XXXX XXXX, a local collection agency and this has gone on too long, several years. 

This is the only and last warning I am dirty directing to the three bureaus and XXXX XXXX, remove my account immediately and once and for all and I will cease moving forward to hiring attorneys and possibly a class action law suit against you all. 

Gentleman, I hope you embrace this one and last chance to resolve this issue. 

God bless. Have a blessed day. 

XXXX 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