Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$26000.00} XXXX  {$10000.00} XXXX - {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  History XXXX XX/XX/XXXX ; XXXX Late Dates : LAST LATE DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5600.00} XXXX  {$5600.00} - {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX XXXX -- -- -- -- -- -- -- Late Dates : LAST LATE DATE XX/XX/XXXX ( See status ), ACCOUNT CLOSED AT CREDIT GRANTOR 'S REQUEST XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} XXXX  {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX -- -- -- -- XXXX -- -- -- Late Dates : LAST LATE DATE XX/XX/XXXX ( See status ), ACCOUNT CLOSED AT CREDIT XXXX 'S REQUEST B B XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$3700.00} XXXX  {$3400.00} - {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : LAST LATE DATE XX/XX/XXXX ( See status XXXX, CHARGED OFF ACCOUNT ; CHARGE XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5100.00} XXXX  {$2200.00} - {$1800.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  History : XX/XX/XXXX ; XXXX Late Dates : LAST LATE DATE XX/XX/XXXX ( See status ), ACCOUNT CLOSED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$830.00} OPEN {$830.00} - {$830.00} XXXX XXXX XXXX XXXX COLLECTION EF CONSUMER DISPUTES AFTER RESOLUTION ; COLLECTION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$830.00} OPEN {$830.00} XXXX $ XXXX {$830.00} XXXX XXXX XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dates : XXXX ACCOUNT CLOSED AT CREDIT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$760.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PAID CHGOFF XXXX  History : XX/XX/XXXX ; -- -- -- -- -- -- -- XXXX -- -- Late Dates : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX, XXXX ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX  {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PAID CHGOFF XXXX  History : XX/XX/XXXX ; -- -- XXXX -- -- -- -- -- -- XXXX - Late Dates : XXXX ( See status ), XXXX, XXXX, XXXX, XXXX ACCOUNT PAID FOR LESS THAN XXXX BALANCE ; PAID CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$32000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  History : XX/XX/XXXX ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX send me all document regarding such record, court documents ] XXXX my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

YOU HAVE CONTINUED TO IGNORE EACH DISPUTE AND CLAIM I HAVE BEEN USING A CREDIT REPAIR COMPANY.

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