Consumer complaint received 2025-03-11 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: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX - XXXX - This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. 

XXXX XXXX XXXX XXXXXXXX - This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. 

XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXXXXXX XXXX XXXX  XXXX - This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. 
XXXX - XXXX - This item was fraudulently misrepresented - I will alert the issuing bank of this fraud unless you agree in writing to remove the debt immediately. 
XXXX - XXXX - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX - XXXX - Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence - Pursuant to 15 U.S. Code 1692j - Furnishing Deceptive Forms, I am not involved in the collection of this alleged debt. You are hereby ordered to cease and desist all collection activities immediately. 
Unknown - XXXX - Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence - Pursuant to 15 U.S. Code 1692j - Furnishing Deceptive Forms, I am not involved in the collection of this alleged debt. You are hereby ordered to cease and desist all collection activities immediately. 
XXXX XXXX  - XX/XX/scrub>/2023 - This inquiry was not authorized XXXX XXXX XXXX XX/XX/scrub>/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX - XX/XX/year>2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXXXXXX XXXX - XX/XX/year>2023 - This inquiry was not authorized XXXX XXXX XXXX XX/XX/year>2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX - XX/XX/scrub>/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.

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