Consumer complaint received 2025-09-13 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:
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. 

Disputed Accounts : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX - XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in disputewithin 30 days now this account in violation. 
XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
XXXX  - XXXX - This XXXX XXXX XXXX entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards.Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly.I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 
XXXX XXXX - XX/XX/year> - This inquiry was not authorized - Please remove. 

Inquiries : XXXX XXXX - XX/XX/year>

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