Consumer complaint received 2024-04-15 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:
According to Cushman v Transunion 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACTY. This account Violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Delete ACCOUNT You guys have been stalling with no proof of information I have yet to recieve all of the things I have asked for in my previous disputes you have also not responded to me in less then 30 days several times I may be filing for lawsuit if you do not correct this matter asap. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( NO LATE PAYMENT ) XXXXXXXX XXXX XXXX XXXX XXXX ( NO LATE PAYMENT ) XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XX/XX/XXXX SS : XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 
This is my second time writing you are still reporting false information. That you haven't validated. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation? 
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.

Receive notification if information in my file has been used against me in applying for credit or other transactions.

Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. 
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

4. Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from XXXX OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY, or provide me proof of permissible purpose. No idea who these companies even are. 
In accordance with the fair credit reporting these companies have violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

Accuracy and Investigation ( 15 U.S.C. 1681e ) : The FCRA requires credit reporting agencies to provide accurate information and conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. If you dispute an account that does not belong to you or is inaccurate, the credit reporting agency must investigate and correct it if it is indeed inaccurate or can not be verified.

Verification of Information ( 15 U.S.C. 1681i ) : Credit reporting agencies must provide you with proof that an account belongs to you upon your request. If you dispute the accuracy of an account, the credit reporting agency must verify the information with the furnisher of the data ( usually a creditor or collection agency ). If the creditor can not verify the account 's accuracy, the credit reporting agency should remove it from your credit report.

Time Limits on Reporting ( 15 U.S.C. 1681c ) : The FCRA sets limits on how long certain negative information can be reported on your credit report. For most negative information, like late payments and collections, it is typically seven years from the date of the first delinquency. After this period, the information should be removed from your report.

Fair and Accurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The FCRA requires that information reported on your credit report be both fair and accurate. Credit reporting agencies must ensure that the information they report is not only factually accurate but also that it does not misrepresent your credit history. 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. i recently applied for extended credit and was denied i am in distress because of your mistakes. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX Sincerely, XXXX XXXX

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