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 dispute this fraudulent account already it has been more than 90 days by law this account must be removed all companies involved I ask to remove and account and all companies involved are in violation of the law # 2 - 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 FAIR CARES ACT DISPUTE https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act https : XXXX REMOVE ALL ADDRESSES NAMES EMPLOYEES LEAVE ONE ACCURATE INFO REMOVE EMPLOYMENT COMPLETELY BEFORE YOU DISPUTE DISPUTE INCOMPLETE ACCOUNT # 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 XXXX. 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.

DEPTEDXXXX  Balance details XXXX % paid off Balance {$4600.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open 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 - PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment {$47.00} Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments Dispute resolved; customer disagrees Your statement - Contact info Address XXXX XXXX XXXX XXXX, XXXX 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 Stafford 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 Stafford

Loans. ( 3 ) 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 Stafford loan under this part ; and ( ii ) the maximum annual amount of Federal Direct Unsubsidized Stafford 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 Stafford loans the student would have received in the absence of this subparagraph.

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 non-monetary relief