Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Under the Fair Credit reporting the company Experian has violated my rights by posting this information. Please see below accounts that are shown on my credit report. 
Collections (These accounts are not mine but belong to a XXXX XXXX XXXX and should not be 
on my credit report. XXXX XXXX XXXX showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies [15 
U.S.C.  1681s-2]
(7) Negative Information
(E) Use of notice without submitting negative information. No provision of this paragraph 
shall be construed as requiring a financial institution that has provided a customer with a 
notice described in subparagraph (A) to furnish negative information about the customer to 
a consumer reporting agency.
(G) Definitions. For purposes of this paragraph, the following definitions shall apply: (i) The 
term negative information means information concerning a customers delinquencies, 
late payments, insolvency, or any form of default. (ii) The terms customer and financial 
institution have the same meanings as in section 509 Public Law 106-102
These accounts were taken off my report before then placed back on without my 
knowledge which has cause me great financial pain with high interest rates.
 623. Responsibilities of furnishers of information to consumer reporting agencies [15 
U.S.C.  1681s-2] (a) Duty of Furnishers of Information to Provide Accurate Information (1) 
Prohibition (A) Reporting information with actual knowledge of errors. A person shall not 
furnish any information relating to a consumer to any consumer reporting agency if the 
person knows or has reasonable cause to believe that the information is inaccurate. (B) 
Reporting information after notice and confirmation of errors. A person shall not furnish 
information relating to a consumer to any consumer reporting agency if (i) the person has 
been notified by the consumer, at the address specified by the person for such notices, 
that specific information is inaccurate; and (ii) the information is, in fact, inaccurate. (C) No 
address requirement. A person who clearly and conspicuoussly specifies to the consumer 
an address for notices referred to in subparagraph (B) shall not be subject to subparagraph 
(A); however, nothing in subparagraph (B) shall require a person to specify such an address. 
(D) Definition. For purposes of subparagraph (A), the term reasonable cause to believe 
that the information is inaccurate means having specific knowledge, other than solely 
allegations by the consumer, that would cause a reasonable person to have substantial 
doubts about the accuracy of the information.
(b) Duties of Furnishers of Information upon Notice of Dispute (1) In general. After receiving 
notice pursuant to section 611(a)(2) [ 1681i] of a dispute with regard to the completeness 
or accuracy of any information provided by a person to a consumer reporting agency, the 
person shall (A) conduct an investigation with respect to the disputed information; (B) 
review all relevant information provided by the consumer reporting agency pursuant to 
section 611(a)(2) [ 1681i]; (C) report the results of the investigation to the consumer 
reporting agency; (D) if the investigation finds that the information is incomplete or 
inaccurate, report those results to all other consumer reporting agencies to which the 
person furnished the information and that compile and maintain files on consumers on a 
nationwide basis; and (E) if an item of information disputed by a consumer is found to be 
inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph 
(1), for purposes of reporting to a consumer reporting agency only, as appropriate, based 
on the results of the reinvestigation promptly  (i) modify that item of information; (ii) delete 
that item of information; or (iii) permanently block the reporting of that item of information.

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