Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
First thing I now understand the importance of keeping copies for your personal records I believe If I did not keep those copies I would of not been able to make this complaint now. 
I also now understand Why Experian and XXXX are being investigated and are getting sued By the CFPB, Because of actions like the ones Experian Keeps pulling on me! 
Its sad for the people that do not know or understand their consumer Rights! 

I trust the CFPB will help me resolve this issue as I will also be filing a complaint with the XXXX XXXX XXXX and the Federal Trade commission. Exprian Needs to be held accountable for their blatant and malicious intents and sham investigation, probably doing so in the hopes that the consumer gives up or doesn't know any better. 
I have all the 15USC codes I feel Experian has Blatantly and carelessly violated and will present them in my court when i end up Filing my own lawsuit as well. 

On XX/XX/XXXX I was denied an Auto loan Due to incorrect Items, And collectors with accounts I have no knowledge or have a contract with, and inquiry 's I did not recognize.

I pulled my credit report and realized Experian is the only one reporting these Items XXXX and XXXX does not show these Items reporting on on their Reports.

Before I continue How is Experian allowed to add Items on some ones report if they don't know for sure it belongs to that person? isn't that a violation?

Now after making my list of Items that are inaccurate or I have no Knowledge of I mailed it to Experian Thinking They would conduct a proper investigation, I even begged at the beginning of the letter to please conduct a proper investigation, here we are over 30 days later I still have no response form them! 
I have asked them various times since XXXX to please provide proof of how they decided that, XXXX XXXX XXXX XXXX XXXX Identification XXXX Belongs to me, their first Reply was that it was Verified after their investigation. 
Very angered i contacted the XXXX XXXXXXXX XXXX  and the court stated that they do not report Bankruptcies or public records to Experian, XXXX or XXXX. So that left me stumped! 
I then sent Experian a second letter asking them under FCRA 611 to provide me any and all documents used to verify this Bankruptcy, They replied that I needed to contact XXXX XXXX who ever that is. and it just remains on my record with out it being mine. 
If it indeed belongs to me why hasn't XXXX or XXXX put it on my record? 
How is Experian allowed to just blatantly and carelessly add things to some ones record with out it being theirs? 
after reviewing my credit report I also found collections that I have no knowledge of! ( of which i sent a dispute letter Dated XX/XX/XXXX ) which I am certain Experian already received since I sent it certified with tracking, but Experian never acknowledged. 
also after reviewing my report i found so many other variants of names ( only One Name XXXX XXXX should appear on my report! ) and unmailable addresses, phone numbers and Inquiry 's I have no knowledge of I have attached and Highlighted everything that I demand be addressed and immediately removed from my report!

so far I know they have Violated : 15 USC 1681 i ( 7 ) 15 USC 1681 i ( 5 ) ( d ) 12 CFR 1026.13 15 USC 1666 b 15 USC 1681 e ( b ) 15 USC 1692 c 15 USC 1692 g 15 USC 1681b ( a ) ( 2 ) 15 USC 1635 Now given the recent findings By the Consumer financial Protection Bureau CFPB that have brought to light significant concerns regarding Experian 's sham methods and failure to conduct proper investigations. ( I am really hoping Experian simply made a simple mistake some where along the way and it can be remedied Amicably ) however in a lawsuit Filed against Experian by the CFPB the CFPB alleges that the company Engaged in Sham investigations Violating consumers protection laws By failing to meet its obligations Under FCRA.

Is this what Experian is doing here to me here?

As per 15 USC 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable Investigation of all disputed Items within 30 Days. 
Instead Experian Tried to play a blatant and cruel move on me!

Furthermore, 15 USC 1681i ( a ) ( 5 ) any and all information found to be inaccurate, incomplete or unverifiable must be promptly Deleted. Failure to adhere to these requirements is a clear and blatant disregard and violation of Federal Law.

I hereby Demand that Experian conducts a thorough Reinvestigation of the Items stated in My original Letter Which is attached to my complaint! ( I will be taking screen shots of this complaint for my records ) I demand that Experian Provide me with any and all Documents used to verify the accuracy of the disputed Items in my original Letter ( which is attached ) I demand that Experian Deletes any information that can not be verified or is inaccurate as Mandated by federal Law!

Given the CFPB Findings against Experian, I expect Experian to handle this Complaint and my disputed Items with the utmost seriousness and compliance with legal Standards. All documents sent in the original letter are in the attachment to facilitate your investigation.

If Experian Fails to comply with its obligations under the FCRA I will not hesitate to escalate this matter Under a court of law. I will pursue any legal action needed to protect my rights.

I expect written confirmation of all changes!

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