Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
Inaccurate Information on Experian Report Creditor Name : XXXX XXXX ( Fein # XXXX ) Creditor Account # XXXX Creditor Address : XXXX XXXX XXXX XXXX  XXXX, VA XXXX First Dispute Date : XX/XX/2024 Experian Report # XXXX Second Dispute : XX/XX/2024 Experian Report # XXXX This Account has been disputed previously and Experian failed to verify that this account does not belong to me. I am requesting a validation of this account due to a violation of Federal Trade Comission 1681 ( b ) ( 1 ) States the duties of furnishers of information ( Experian, XXXX, and XXXX ) upon notice of dispute after receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by : XXXX XXXX XXXX ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and Experian ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Experian and XXXX are therefore bonded and liable for a violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. 

I am not the owner and have never been the owner of the Mortgage of the Property whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and this information is easily verified in the XXXX and click on Clerk of Court Record Search and look up the mortgage agreement on Recording BOOK/PAGE ( XXXX ) and Plat BOOK/PAGE ( XXXX/XXXX  ) to verify my name XXXX XXXX was never in the Warranty Deed Mortgage Agreement whose sellers were XXXX XXXX and XXXX XXXX XXXX and the Buyers were : XXXX XXXX XXXX and XXXX XXXX. 

I am not obligated to any covenants, instruments, and other interest involved. I do personally know the buyers. The Promissory Note of the Florida Housing Assistance to use in the purchase of a home is not legally binding me to the Lender because I was not part of the Purchase Agreement, Loan Disclosures, or signed to concent Lender from violating my privacy and conveying my information, selling, and reporting. 

Not Sufficiently Directly Notification from XXXX XXXX Under FCRA.Section 1681i of FCRA provides that consumer reporting agencies ( CRAs ) such as Experian must conduct a reasonable reinvestigation when an item in the consumers credit file is disputed by the consumer and the consumer notifies the agency directly... of such dispute. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). TheNinth Circuit focused on the word directly, and found that dispute letters sent by XXXX XXXX XXXX XXXX on behalf of the consumer were not sufficiently directly.

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