Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
FINAL Request for DELETE To Whom It May Concern : This is a formal FINAL request for removal of the following disputed items on my credit file which is inaccurate. I have disputed this debt on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and asked for validation of these items showing that it is correct and belong to me. XXXX XXXX XXXX, XXXX XXXX, and or XXXX never responded. I have sent several notices pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed, and validation is requested, and the request be forwarded to original creditor, if applicable. I respectfully requested XXXX XXXX XXXX XXXX XXXX, and XXXX provide me with competent evidence that I have a legal obligation to pay this debt and to provide me with documentation of the following : Identify the original creditor and what the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide with any contracts signed my me ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Prove the Statute of Limitations has not expired on this account ; Show me that the creditor is licensed to collect in my state ; Provide me with the creditors license numbers and Registered Agent ; I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that you send me proof that I authorized XXXX XXXX to check my credit and send me a copy of the credit application signed by me proving that I requested credit from them. Please provide me a copy of a signed credit application or document showing I specifically gave XXXX XXXX the authorization to review my credit and that I applied for credit or services with them. 

XXXX XXXX XXXX, XXXX XXXX  and XXXX, never responded to my dispute on XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX also never attempted or reached out to contact me either via mail, phone, or personally regarding this debt. XXXX XXXX accessed my report without my consent and had information in my report altered unlawfully. I did not give consent to XXXX XXXX XXXX XXXX, or XXXX authorization to use information in my credit report. I never signed a contract or verbally agreed for any services or products from XXXX XXXX XXXX, XXXX XXXX, and or XXXX. 
-I never opened an account with XXXX XXXX  on or around XX/XX/XXXX. I disputed this account that showed up on my report on XX/XX/XXXX, as " XXXX XXXX ''. Since then, the name " XXXX XXXX '' who was originally listed as the owner of this XXXX account has been changed to " XXXX XXXX. '' I found out about this incorrect tradeline added to my report via credit monitoring alert. At this time, I will also inform you that if any of the requested above items are missing and/or not furnished upon completion of your investigation and this inaccuracy is still listed on my credit file I am prepared to file suit in small claims court and/or if your offices continue to report this tradeline on my report this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing additional legal action against you for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character.

Violation of the Privacy Act 31 CFR 1.32- Collection, use, disclosure, and protection of Social Security numbers.

Violation of the Fair Debt Collection Practices Act Section 808 Unfair practices Violation of the Fair Debt Collection Practices Act Section 809 Validation of Debts If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate the information provided.

If your offices fail to respond to this REMOVE AND DELETE request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by the credit bureau or creditor to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing, sent to the address noted in this complaint, and or through the CFPB system. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Accounts : XXXXXXXX XXXX Best Regards, 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