Consumer complaint received 2024-10-07 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: MI

Complaint narrative:
The major bureaus, Experian, XXXX XXXX, and XXXX is reporting fraudulent credit files after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report fake information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these creditors to do so, and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These derogatory marks has caused me to be denied credit and has caused me great financial harm, because I cant obtain credit and was denied several times due to this inaccuracy of information they refuse to remove off my credit report. I am asking that the CFPB make these companies abide by the FCRA rules and demand them to remove the inaccurate and false information off my credit report. The credit profiles listed below do not belong to me. I never gave them permission to obtain my credit profile or gain access to my Social Security number. the FCRA a-firm that a consumer reporting agency may not provide a consumer report to a user under the FCRA section 604 ( a ) ( 3 ) Unless it has reason to believe that all of the consumer report information, it includes pertains to the consumer, who is the subject of the users request. FCRA, section 604 ( a ) ( 3 ) strictly prohibits, a person who uses or obtains a consumer report from doing so without permissible purpose. The three credit bureaus Experian, XXXX XXXX, and XXXX should know that FCRA, section 620 imposes criminal liability to any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencies files. Information can be reported on my credit profile, however, any inaccurate information must be removed. These derogatory marks have caused me great financial harm. Ive been denied credit due to this inaccuracy. I am asking that the CFPB make these companies abide by the FCRA rules, and demand them to remove the inaccuracies off my credit report. The derogatory marks listed below do not belong to me. I never gave them permission to obtain my credit profile or gain access to my Social Security number. The FCA, a-firm that a consumer reporting agency may not provide a consumer report to a user under the FCRA, section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer, who is the subject of the users request. Fca section 604. ( a ) ( 3 ) strictly prohibits a person who uses or obtains a consumer report from doing so without permissible purpose. Experian, XXXX and XXXX XXXX should know that FCRA, section 620 imposes criminal liability to any officer or employee of a consumer reporting agency, who knowingly and willfully provides information concerning an individual from the agencies, files to an unauthorized person and never gave written consent, or my authorization for these credit reporting agencies or these creditors to obtain my credit report. DELETE THESE FILES : XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2023 2023

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