Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires XXXX XXXX notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 

Also in addition to this I want to include a previous complaint XXXX that was file and it was agreed by both CFPB and The Creditors and Bureaus that there was potential fraud. This complaint is to help aid the CFPB with more information regarding this and to close these accounts and remove them Further notes : ( Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/year>2023 We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. ) VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) Requirements relating to information contained in consumer reports VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 
VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification VIOLATION COUNT 5 [ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports VIOLATION COUNT 6 [ 15 U.S. Code 1681q ] - Obtaining information under false pretenses VIOLATION COUNT 7 [ 18 U.S. Code 1028A ] - Aggravated identity theft VIOLATION COUNT 8 [ 15 U.S. Code 1681c2 ] Block of information resulting from identity theft XXXX  XXXX XXXX XXXX Account Number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX  ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX| xxxxxxxxxxxxx XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : - XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX XXXX Account # : - XXXX XXXX XXXX Account # : - XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX DEPT OF ED/XXXX Account # : XXXX XXXX DEPT OF ED/XXXX Account # : XXXX XXXX DEPT OF ED/XXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX 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