Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention Experian Associate : This letter is a formal statement of concern based on your recent activities ( or lack thereof ). I have in my ownership a false copy of my consumer credit report from the XXXX XXXX, the XXXX XXXX and the Experian Corporation. Each of these reports were legally obtained by me, via the declaration of the rights allowed to consumers under the Fair Credit Reporting Act. I have challenged several inaccuracies and serious concerns with you to no avail. In fact, I have yet to see an answer from you to my prior letters. 
The specific items that Ive challenged include : This is not how i spell my name. 
Please delete this from my credit file immediately. 
The Fair Credit Reporting Act has particular criteria for the precise reporting of an item when it appears on a consumers credit report. It specifically states that all items within a consumers credit report need to be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the permissible reporting periods as outlined in the Act for the specific item as reported. 
As a result, you were obligated to either provide me with proof that the reporting of this item does not violate the Fair Credit Reporting Act as detailed above ... OR ... you were supposed to remove it. Youve done neither. So now, its required by law for these items to be removed AUTOMATICALLY with or without an investigation. 
My request as expressed above, is authorized and justified. Should you refuse to comply with the law, then I must demand, on your official letterhead, a sworn statement as to the 100 % accuracy of each of the above items, and how its reporting is not violating my consumer rights. The persistent reporting of this inaccurate and unverifiable information has been detrimental to me and has caused me some extreme financial and emotional distress. Therefore, I must also demand the names of any/all Corporate officers who will be responsible for any monetary/punitive damages due when I take you to court. 
If I must pursue a lawsuit to protect my civil liberties as provided under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, XXXX, XXXX, as well as any other statutes and/or laws that would relate to me and my situations, then I am totally prepared and willing to take any and all vital measures to do so. So again, I hereby petition your agency for the immediate removal of the above frivolous data, as it is not complying with the above-named laws and/or acts. 
Your companys continued reporting of this derogatory information will be deemed willful non-compliance and a blatant disregard of the law. Please respond to this letter in a timely fashion, within 30 days or less, to avoid any other legal action

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