Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint to inform you that Experian has unlawfully reported inaccurate information on my Experian consumer report. I wrote to Experian on XX/XX/XXXXXXXX  to resolve this issue no avail ( See Evidence ). It is the duty of every consumer reporting agency to investigate a consumer dispute and follow reasonable procedures to ensure maximum possible accuracy of a consumer report. 

My name is XXXX XXXX XXXX. I have no other name and no aliases. Any other name or spelling or abbreviations are inaccurate and must be deleted immediately. You, Experian, are furnishing 8 different variations of my name and this is inaccurate. 

My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX You, Experian, are furnishing 14 different addresses on my consumer report. This is inaccurate and must be deleted immediately. 

You, Experian, are furnishing 2 different social security numbers on my consumer report. Neither of these are mine! This is inaccurate. My only social security number is XXXX. Any other number is inaccurate. Delete any other social security number immediately. 

My only phone number is XXXX. You, Experian, are furnishing 3 different phone numbers and this is inaccurate. Delete all other phone numbers immediately. 

Delete all employers that you, Experian, are furnishing. I have no affiliation with any of those employers. 

You, Experian, are furnishing an inaccurate collection account on my consumer report. XXXX XXXX account number # XXXX  is not my account and must be deleted immediately. 

I am also requesting for the general or specific certifications pursuant to Rule 1002 required by 15 U.S.C. 1681b ( f ) to establish permissible purpose and compliance to furnish this account on my consumer report. This account has been reported since XX/XX/XXXX according to my consumer report, so I am requesting the general or specific certification that was given to you, Experian, at that time required by procedure to place this account on my report. If you claim to verify, validate this account, I am requesting the results of the reinvestigation and the procedure pursuant 15 USC 1681i ( a ) ( 6 ) and 15 USC 1681i ( a ) ( 7 ) to do so, as well as their sworn certification of accuracy. Experian is required to complete this reinvestigation pursuant 15 USC 1681i ( a ) ( 1 ) ( A ). I am likewise requesting the original documents pursuant Rule 1002. If you, Experian, can not verify this account under the requirements of the law, it must be deleted immediately! To be clear, I am requesting a preponderance of evidence to the facts ; not conjecture. 

References : Case Law : 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  15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i ( a ) ( 6 ) 15 USC 1681i ( a ) ( 7 ) 15 U.S.C. 1681b ( f ) Rule 1002 Statutes Violated : 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A