Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint:
XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that aforementioned credit agency are reporting inaccurate and incomplete credit information.

I am distressed that they've have included the information below in my credit profile and have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports this credit bureaus published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile. And I've stated the violations codes next to each erroneous accounts. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report.

The inquiry was not authorized XXXX  Date of inquiry XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report. 

15 US C 1692 Validation of Debts XXXX XXXX Account Number : XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report.

FPDCPA Section 808 Unfair practices XXXX  Account Number : XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report.

FPDCPA Section 808 Unfair practices XXXX  Account Number : XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report. 

15 US C 1692 Validation of Debts XXXX XXXX Account Number : XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report. 

15 US C 1692 Validation of Debts XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

15 US C 1692 Validation of Debts XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

15 US C 1692 Validation of Debts XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX 15 U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report. 

15 US C 1692 Validation of Debts XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

15 U.S. Code 1666d treatment of credit balance is incorrect please remove this violation from my credit report. 
XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Please remove the following items from my credit report. 
XXXX Account Number : XXXX XXXX U.S. Code 1666 - Correction of billing errors. Please investigate and remove from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in this agency reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, this credit bureau have thirty ( 30 ) days to complete a re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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