Consumer complaint received 2025-02-19 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXXThese 3 illegal accounts needs to be removed immediately** XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Credit Collection Servic Date Opened XX/XX/XXXX Balance {$0.00} Capital One Date Opened XX/XX/XXXX Balance {$5200.00} -- -- -- -- -- -- -- -- -- -- -- -- -we are requesting the dept of ed to update this report by goodwill and remove these current late payments off these accounts listed. I am currently in school and working to better my self and my future. These late payments would be greatly appreciated if they was removed off my report. This is not showing up on my transunion report which is hurting my score. 

DEPT OF ED Date Opened XX/XX/XXXX Balance {$11000.00} XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX DEPT OF ED Date Opened XX/XX/XXXX Balance {$1500.00} XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX DEPT OF ED Date Opened XX/XX/XXXX Balance {$5100.00} XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX DEPT OF ED Date Opened XX/XX/XXXX Balance {$5100.00} XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

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