Consumer complaint received 2023-11-15 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: NJ

Complaint narrative:
XX/XX/ To : Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my Experian credit report, and noticed various INACCURATE late payments for four accounts. In addition, these accounts all appear under a wrong name XXXX XXXX XXXX. Therefore, the following accounts must be deleted immediately : XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, DE XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX SD XXXX, no phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX CA XXXX, XXXX XXXX First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Experian is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( C ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately.

Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have sustained defamation of my character, anxiety, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Experian is in violation of the FCRA or 15 USC 1681.

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

SincerelyXXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX 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