Consumer complaint received 2025-01-26 00:00:00
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.
State: TX

Complaint narrative:
Your consumer reporting agency is in clear violation of the FCRA for reporting inaccurate transactional data on my credit report that is not in XXXX and failure to remove the following data will result in pursuit of litigation on behalf of each inaccuracy. 

I dispute XXXX XXXX XXXX Account Number Listed : XXXX The payment history data in this account is incomplete and inaccurate. My report states the last payment made to the creditor was on ( XX/XX/XXXX ) but in the transactional history it shows ( XX/XX/XXXX ) is the last payment paid on time followed by XXXX late transactions furnished from ( XX/XX/XXXX ) ( XX/XX/XXXX ) without any bank statements furnished on this account after it was closed. Please remove this inaccurate account from my consumer report immediately! 


I dispute XXXX  XXXX Account Number Listed : XXXX This account is not mine and was furnished by a direct result of IDENTITY THEFT pursuant to XXXX. I have no agreement with this creditor that makes me liable for the debt of {$460.00} they furnished with 19 late remarks without any bank statements to verify each late transaction. Please remove this account from from my report immediately! 


I dispute XXXX Account Number Listed : XXXX The payment history data in this account is incomplete and inaccurate. My report states the last payment made to the creditor was on ( XX/XX/XXXX ) but in the transactional history it shows ( XX/XX/XXXX ) is the last payment paid on time followed by XXXX late transactions furnished from ( XX/XX/XXXX ) ( XX/XX/XXXX ) without any bank statements furnished on this account after it was closed. Please remove this inaccurate account from my consumer report immediately! 

I dispute XXXX XXXX XXXX Account Number Listed : XXXX The balance and payment history of this collection account is inaccurate. This debt was paid off and no debt is owed to this debt collector XXXX XXXX XXXX. The original creditor furnished on this account is the person XXXX XXXX  XXXX XXXX XXXX TX which is the same creditor who furnished the account XXXX XXXX. The original account has no late payments reported and was reported as paid off with no balance from the months ( XX/XX/XXXX ) - ( XX/XX/XXXX ). NO DEBT IS OWED TO THIS DEBT COLLECTOR! Remove this collection from my report.

YOUR CONSUMER REPORTING AGENCY VIOLATED THE FOLLOWING CODES OF THE FCRA 15USC 1681 ( b ) permissible purpose of consumer reports, CLEARLY STATES ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report Under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer whom it relates.

Please provide written authorization I gave your agency to furnish the data listed above.

According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization the consumer gave them to contact you with nonpublic personal information - ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consum

er report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION The law clearly states - ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of information is found to be inaccurate, incomplete or can not be verified the Consumer Reporting Agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15USC 1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a statement received by the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported. If however, you can not provide me with the st

atement you were supposed to send me, you are in violation. 15USC 1666 ( b ) CLEARLY STATES - ( a ) TIME TO MAKE PAYMENTS- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Failure to remove the data described will result in pursuit of litigation on behalf of these inaccuracies found in my consumer report that must be corrected IMMEDIATELY due to violations of the following : 15USC1666 ( B ) - 15USC1637 15USC1681a ( 2 ) ( a ) ( i ) 15USC1681 ( a ) 5 15USC16
81 ( e ).

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