Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint with a documented and detailed assessment of just due compensation per damages to my creditworthiness, personal information and overall financial wellbeing. Experian and XXXX have displayed conduct being in direct violation of my consumer protections laws and codes Fair Credit Reporting Act ( FCRA ), Privacy Act of XXXX, Opt Out Laws as well as Inaccuracies/violations among the date being made public on my credit report and Participation in Securities Fraud ; Evidencing Data Involved in Data Breach. 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX5 U.S. Code 1681b. 15 U.S. Code 1681b 15 U.S. Code 1681c. .15 U.S. Code 1681c 1681n.. 1681n.

1681o.. 1681o Violation of 15 U.S.C. 1681e ( b ). Violation of 15 U.S.C. 1681e ( b ) Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Violation of 15 U.S.C. 6801. Violation of 15 U.S.C. 6801 violation of 15 U.S.C. 6802 ( b ). violation of 15 U.S.C. 6802 ( b ) Violation of 5 U.S.C. 552a ( b ) :. Violation of 5 U.S.C. 552a ( b ) XXXX : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX .15 U.S. Code 1681b .15 U.S. Code 1681b .15 U.S. Code 1681c. .15 U.S. Code 1681c. 1681n.. 1681n.

. 1681o.. 1681o .Violation of 15 U.S.C . 1681e ( b ). Violation of 15 U.S.C. 1681e ( b ) .Violation of 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ). Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) .Violation of 15 U.S.C. 6801. Violation of 15 U.S.C. 6801 .violation of 15 U.S.C. 6802 ( b ). violation of 15 U.S.C. 6802 ( b ) .Violation of 5 U.S.C . 552a ( b ) :. Violation of 5 U.S.C. 552a ( b ) EXPERIAN : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT # XXXX XXXX15 U.S. Code 1681b .15 U.S. Code 1681b .15 U.S. Code 1681c. .15 U.S. Code 1681c. 1681n.. 1681n.

. 1681o.. 1681o .Violation of 15 U.S.C . 1681e ( b ). Violation of 15 U.S.C. 1681e ( b ) .Violation of 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ). Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) .Violation of 15 U.S.C. 6801. Violation of 15 U.S.C. 6801 .violation of 15 U.S.C. 6802 ( b ). violation of 15 U.S.C. 6802 ( b ) .Violation of 5 U.S.C . 552a ( b ) :. Violation of 5 U.S.C. 552a ( b ) EXPERIAN : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX DUPLICATE Account # XXXX ACCOUNT # XXXX .15 U.S. Code 1681b .15 U.S. Code 1681b .15 U.S. Code 1681c. .15 U.S. Code 1681c. 1681n.. 1681n.

. 1681o.. 1681o .Violation of 15 U.S.C . 1681e ( b ). Violation of 15 U.S.C. 1681e ( b ) .Violation of 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ). Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) .Violation of 15 U.S.C. 6801. Violation of 15 U.S.C. 6801 .violation of 15 U.S.C. 6802 ( b ). violation of 15 U.S.C. 6802 ( b ) .Violation of 5 U.S.C . 552a ( b ) :. Violation of 5 U.S.C. 552a ( b ) Among the Accounts Listed above ; on my report, my personal data on my report inaccurate and are in direct violation of my consumer rights and protections ; involved in the report made by Experian is an unrecognized social security number this information on my report is not only inaccurate but also harmful to multiple parties. Violations for that alone being Violation of 15 U.S.C. 1681 ( a ) ( 4 ), Violation of 15 U.S.C. 1681e ( b ), Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Violation of 15 U.S.C. 1681n and 1681o. On both Experian and XXXX 's reports there are violations under the FCRA in the form of inquiries being in Direct violation of code 15 U.S. Code 1681e XXXX having a total of XXXX and Experian XXXX. My personal information being made public on my report is simply inaccurate ; 4 names other than my own in violation of 15 U.S.C. 1681e ( b ). Furthermore, on Experian there are 20 Non Mailable addresses violating 15 U.S.C. 1681i. On the Experian Report there are also 3 inaccurate Phone Numbers,1 inaccurate reporting of spouse and 1 Inaccurate reporting of former/current Employment each in violation of 15 U.S.C. 1681e ( b ). Not only is this Information on my reports Inaccurate but the reports do not match one another as credit agencies And Evidence signs of being involved in data breach ; data mentioned/involved must be deleted Immediately. I am Also Aware of the securitization and selling of my data through entities like Experian Trustees LimitedXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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, GA XXXX Phone : ( XXXX ) XXXX. This Complaint in response to disputes is purely to collect on a settlement between us in good faith and just do compensation. All of this reporting is being done in direct violation of several provisions under the FCRA, which protect the privacy and accuracy of consumer information. I Numerously tried to correct these inaccuracies with both Experian and XXXX succeeding in having some things removed over the phone ultimately an admission of Guilt ; The CSAs Know of there violations of my rights this report is simply to outline and calculate the compensation owed for these violations and facilitate aid in my collection.

Legal Violations : Violation of Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. : Section 602 ( 15 USC 1681 ) : The FCRA requires that consumer reporting agencies exercise their responsibilities with fairness and impartiality. Both XXXX, Experian and XXXX have violated this by failing to ensure the accuracy of my credit report.

Section 604 ( 15 USC 1681b ) : The FCRA clearly states that consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I did not provide written consent for the inclusion of the negative accounts reported by XXXX, Experian and XXXX. Therefore, this reporting is unauthorized and in violation of the law. 
Section 6802 ( 15 USC 6802 ) : XXXX, Experian and XXXX did not provide me with an opportunity to opt-out of the disclosure of my nonpublic personal information, as required under the law. 
Section 1681c ( a ) ( 5 ) ( 15 USC 1681c ) : The FCRA prohibits the reporting of any adverse information more than seven years old. These accounts are being reported in violation of this provision.

Section 1681s2 ( A ) ( 1 ) ( 15 USC 1681s2 ) : Furnishers of information ( such as creditors and financial institutions ) are prohibited from reporting information that they know or should reasonably know is inaccurate. Despite notifying the agencies about inaccuracies, they continued to report these false accounts. 
Failure to Comply with Accuracy Standards : Section 1681e ( 15 USC 1681e ) : Consumer reporting agencies like XXXX, Experian and XXXX are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of these inaccurate accounts on my credit report demonstrates a failure to comply with these requirements.

Lack of Consumer Consent for Reporting : Section 604 ( a ) ( 2 ) ( 15 USC 1681b ) : XXXX and Experian can not report information without my written consent. I never provided authorization for the reporting of these accounts, and this is a clear violation of my consumer rights. 
Violation of Privacy and Security Laws : 15 USC 6801 and 6802 : Financial institutions ( including credit bureaus and furnishers of information ) are required to respect consumer privacy and safeguard nonpublic personal information. XXXX, Experian and XXXX failed to provide me with the necessary privacy notices as required by law, violating my right to privacy. 
Identity Theft Protections : If any of this information was added to my report without my consent, it could potentially be considered identity theft. In such a case, according to 15 U.S. Code 1681c2, I am entitled to have this information blocked immediately upon providing proof of identity theft, which I intend to provide if applicable.

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