Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
Subject : Formal Dispute, Demand and Request for Deletion of Inaccurate Information under the Fair Credit Reporting Act Dear [ transunion, equifax, experian ], I am writing to dispute the following inaccurate and/or unverifiable information appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. LATE PAYMENTS 15 US CODE 1681A ( 2xi ), 15 US CODE 1666b MEDICAL BILLS 15 US CODE 1681b ( ax2 ), 15 US CODE 1692g, COLLECTIONS 15 US CODE 1692c, 15 US CODE 1692g, 15 US CODE 1681 e ( b ) REPOSSESIONS 15 US CODE 1681b 9 ( ax2 ) CHILD SUPPORT 15 US CODE 1681b, 15 US CODE 1681s-1, EVICTIONS 15 US CODE 1637 ( 2 ) 9A, 15 US CODE 1681, 15 US CODE 1681s-2 ( ax3 ), 15 US CODE 1681e ( b ), CHARGE OFFS 15 US CODE 1635, 15 US CODE 1692g, UNAUTHORIZED INQUIRY, 18 U.S.C. 1028A, 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), 15 U.S.C. 1693a ( 2 ), 15 U.S.C. 1681n ( a ), I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge off XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Charge off XXXX/DEPT OF ED XXXX XX/XX/XXXX Student loan XXXX/DEPT OF ED XXXX XX/XX/XXXX Student loan XXXX/DEPT OF ED XXXX XX/XX/XXXX Student loan XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry According to 15 U.S.C. 1681i ( a ), you are obligated to conduct a reasonable reinvestigation of this disputed information within 30 days. Furthermore, under 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to ensure maximum accuracy of the information reported. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, Transunion and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, Transunion and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Transunion, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Transunion and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. 
" I am opting out of your reporting services.

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