Consumer complaint received 2022-10-19
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:
On XX/XX/XXXX I filed a compliant with CFPB about Experian its been over 60 days and you are still reporting fraudulent and inaccurate information. You have failed to respons to my disputes and you did not do a proper inventions. One the fraudulent accountXXXX XXXX XXXX XXXX Needs to be deleted immediatelyThis notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This is my consumer right and i intend to use it. The accounts XXXX XXXXXXXX XXXX XXXX LT XXXX I never had any such late payments be advisedSEC. 4021. CREDIT PROTECTION DURING COVID -19 Section 623 ( a ) ( l ) of the Fair Credit Reporting Act ( 15 U.S.C.1681s-2 ( a ) ( l ) ) is amended by adding at the end the following : " ( Fl REPORTING INFORMATION DURING XXXX PAN- DEMIC.- " ( i ) DEFINITIONS.-ln this subsection : " ( I ) ACCOMMODATION.-The term 'accommoda-tion ' includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. " ( 11 ) COVERED PERIOD.-The term 'covered period ' means the period beginning on XX/XX/XXXX and ending on the later of- '' ( aa ) 120 days after the date of enactment of this subparagraph ; or " ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies XXXX ( SO U.S.C. 1601 et seq. ) terminates. " ( ii ) REPORTING.-Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to XXXX or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make XXXX or more payments pursu- ant to the accommodation, the XXXX XXXX " ( I ) report the credit obligation or account as current ; or " ( II ) if the credit obligation or account was delinquent before the accommodation- '' ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and " ( bbl if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current. " ( iii ) EXCEPTION.-Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. '' You are in violation and if this is not removed and you refuse to responds to my disputs I will be forced to take legal actions without further notice. These disputes and your no compliance will be used in court. I am very aware of my consumer right and they are being violated by Experian only. Enclosed you will see XXXX and XXXX is not reporting Fraudulent account or any late payments or negative information on my perfect credit.

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