Consumer complaint received 2024-11-18 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:
account number : Act. # XXXX account name : XXXX XXXX Also known as " XXXX XXXX '' I am the consumer, natural person, XXXX, executor, original creditor made with XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! XXXX XXXX XXXX - a creditor XXXX not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - XXXX XXXX XXXX section XXXX A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again XXXX XXXX HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. XXXX XXXX Code $ XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) 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. Definitions : Duty : a moral or legal obligation ; a responsibility XXXX : correct in all details ; exact. Prohibition : a law or regulation forbidding something. XXXX XXXX XXXX $ XXXX states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to XXXX U.S.C $ XXXX XXXX ( a ) ( XXXX ) ( A ), which states " 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. XXXX U.S.C XXXX ( a ) ( XXXX ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( 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. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to XXXX XXXX XXXX of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to XXXX and DELETE this erroneous, inaccurate, account from my consumer report. You have XXXX calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under XXXX XXXX, {$1000.00} per each violation you have incurred. Pursuant to XXXX XXXX XXXX ( XXXX ) - definitions and rules of construction. XXXX the following ( XXXX ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- ( A ) subject to section XXXX of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title ; or Pursuant to XXXX XXXX XXXX ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( XXXX ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA XXXX ( a ) ( XXXX ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act XXXX ( a ) ( XXXX ) - this is not a request for the reinvestigation if the previous dispute ( XXXX ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. XXXX Who is the original creditor? XXXX. The creditors address and telephone number XXXX. The persons name that they ( credit bureau ) verified the dispute with XXXX. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to XXXX XXXX XXXX - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws. account In question :

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