Consumer complaint received 2025-01-24 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:
Todays Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Dispute XXXX XXXX XXXX XXXX XXXX XXXX Attention : Customer Complaints Department Special Request : Please Forward to a Live Agent to Handle. I dont want any data or information left out when forwarding to furnishers due to your automation system restrictions, limitations or any other issues with your data governance. 
WE ALL KNOW COMPUTERS CAN ALSO MAKE SOME COSTLY MISTAKES AT TIMES. 
Thanks for forwarding! 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, XXXX XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : ( I don't recall having any business transactions or dealings with this company and/or original creditor. ) Name of Alleged Creditor : XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : ( I don't recall having any business transactions or dealings with this company and/or original creditor. ) ***NEVER SPOKE WITH THIS COMPANY OR EVER GAVE AUTHORIZATION FOR THIS COMPANY TO RUN MY CREDIT** Name of Alleged Creditor : XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : ( I don't recall having any business transactions or dealings with this company and/or original creditor. ) ***NEVER SPOKE WITH THIS COMPANY OR EVER GAVE AUTHORIZATION FOR THIS COMPANY TO RUN MY CREDIT** PLEASE NOTE This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ) and I am fully aware that they are authorized to investigate this matter. If you fail to comply with this letter, this matter may be turned over to an attorney. I don't recall having any business transactions or dealings with these companies. I am asking that you have the creditors provide evidence the accounts belong to me and should be on my credit report, in addition, to show that my rights have not been abrogated. I'm asking each to verify that the creditors have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable by each creditor, I required that the accounts in question are updated and deleted to reflect the proper reporting standard.

*THESE ITEMS are DAMAGING MY FINANCIAL REPUTATION and MUST be DELETED AT ONCE.

Under Section 611, I am requesting the following : If the above items are not deleted or you and/or the furnisher determine they are verified after your investigation, I am requesting : 1. A description of the procedure used to determine the accuracy and completeness of the information. Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : a. Who did you speak with?

b. What was the date?

c. How long was the conversation?

d. What was their position? 
e. What number did you call?

f. What is the name of your employee that spoke directly to the creditor?

g. What is the position of your employee that spoke to the creditor?

2. Please include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

3. What certified documents were reviewed to conclude your investigation?

Enclosed with your response to the above questions, I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as an automated letter response. 

PLEASE SEND THE REQUESTED ITEMS WITHIN THIS CORRESPONDENCE TO THE FOLLOWING ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

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