Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
My name is XXXX XXXX I have disputed this account multiple times it has been more tha 90 days and the account was not removed even tho I claimed identity theft with FTC and iam federally protected consumer all companies involved are now in violation of the fair cares act law 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT # 3 - 15 USC 1681B - PERMISSIBLE PURPOSE YOU CAN USE THIS LAW TO CHALLENGE CREDIT REPORTING AGENCIES TO SHOW WHERE YOU PROVIDED WRITTEN PERMISSION FOR A NEGATIVE ITEM TO BE ON YOUR CREDIT REPORT. IF THEY CAN'T PROVIDE IT, YOU CAN LEVERAGE THIS LAW TO HAVE IT DELETED Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 


XXXX Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$8400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX - - XXXX - - XXXX - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - - XXXX - - XXXX - - - XXXX - - - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$8400.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Account closed due to transfer Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone number ( XXXX ) XXXX XXXX U.S. Code 1087e - Terms and conditions of loans U.S. Code Notes prev | next ( a ) In general ( 1 ) Parallel terms, conditions, benefits, and amounts Unless otherwise specified in this part, loans made to borrowers under this part shall have the same terms, conditions, and benefits, and be available in the same amounts, as loans made to borrowers, and first disbursed on XX/XX/XXXX, under sections 1078, 10782, 10783, and 10788 of this title. 

( 2 ) Designation of loans Loans made to borrowers under this part that, except as otherwise specified in this part, have the same terms, conditions, and benefits as loans made to borrowers under ( A ) section 1078 of this title shall be known as Federal Direct XXXX Loans ; ( B ) section 10782 of this title shall be known as Federal Direct PLUS Loans ; ( C ) section 10783 of this title shall be known as Federal Direct Consolidation Loans ; and ( D ) section 10788 of this title shall be known as Federal Direct Unsubsidized XXXX Loans. 
( XXXX ) Termination of authority to make interest subsidized loans to graduate and professional students ( A ) In general Subject to subparagraph ( B ) and notwithstanding any provision of this part or part B, for any period of instruction beginning on or after XX/XX/XXXX ( i ) a graduate or professional student shall not be eligible to receive a Federal Direct XXXXXXXX loan under this part ; and ( ii ) the maximum annual amount of Federal Direct Unsubsidized XXXX loans such a student may borrow in any academic year ( as defined in section 1088 ( a ) ( 2 ) of this title ) or its equivalent shall be the maximum annual amount for such student determined under section 10788 of this title, plus an amount equal to the amount of Federal Direct XXXX loans the student would have received in the absence of this subparagraph. 
( B ) Exception Subparagraph ( A ) shall not apply to an individual enrolled in course work specified in paragraph ( 3 ) ( B ) or ( 4 ) ( B ) of section 1091 ( b ) of this title.

( b ) Interest rate ( 1 ) Rates for FDSL and FDUSL For Federal Direct XXXX Loans and Federal Direct Unsubsidized XXXX XXXX for which the first disbursement is made on or after XX/XX/XXXX, the applicable rate of interest shall, during any 12-month period beginning on XX/XX/XXXX and ending on XX/XX/XXXX, be determined on the preceding XX/XX/XXXX and be equal to ( A ) the bond equivalent rate of 91-day Treasury bills auctioned at the final auction held prior to such XX/XX/XXXX; plus ( B ) 3.1 percent, except that such rate shall not exceed 8.25 percent.

( 2 ) In school and grace period rules ( A ) Notwithstanding the provisions of paragraph ( 1 ), but subject to paragraph ( 3 ), with respect to any Federal Direct XXXX Loan or Federal Direct Unsubsidized XXXX Loan for which the first disbursement is made on or after XX/XX/XXXX, the applicable rate of interest for interest which accrues ( i ) prior to the beginning of the repayment period of the loan ; or ( ii ) during the period in which principal need not be paid ( whether or not such principal is in fact paid ) by reason of a provision described in section 1078 ( b ) ( 1 ) ( M ) or 1077 ( a ) ( 2 ) ( C ) of this title, shall not exceed the rate determined under subparagraph ( B ).

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