Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX is completely inaccurate. -Please verify if this belongs to me. 
XXXX XXXX XXXX XXXX is completely inaccurate. -This is inaccurately reporting on my report. 
XXXX  -This is completely inaccurate. -I believe this is reporting inaccurately. 
XXXX XXXXXXXX -This is completely inaccurate. -I believe this is reporting inaccurately. 
XXXX -This is completely inaccurate. -Please verify if this belongs to me. 
XXXX XXXXThis is completely inaccurate. -This account is reporting incorrectly. 
not mine -please remove this inaccuracy from my reporXXXX XXXX XXXX XXXXXXXX term that is being reported is reporting inaccurately -This is not mine -please remove this inaccuracy from my report XXXX XXXX  -The term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXXXXXX XXXX XXXXThe term that is being reported XXXX reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX XXXX term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX XXXX term that is being reported is reporting inaccurately This is not mine -please remove this inaccuracy from my report XXXXXXXX XXXX  -The term that is being reported is reporting inaccurately This is not mine -please remove this inaccuracy from my report XXXX XXXXXXXX -The term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX XXXXXXXX -The term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX -The term that is being reported is reporting inaccurately -This is not mine -please remove this inaccuracy from my report XXXX XXXX term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX -The term that is being reported is reporting inaccurately -This is not mine -please remove this inaccuracy from my report XXXX XXXX XXXX term that is being reported is reporting inaccuratelyThis is not mine -please remove this inaccuracy from my report Bankruptcy -This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). -Your actions are in violation of FCRA Laws and COIA Standards. I insist that you remove this erroneous information. 
XXXX XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX  XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX -This inquiry was not authorized -The following inquiry was not XXXX XXXX XXXX is completely inaccurate. -This account is reporting incorrectly. 
XXXXXXXX XXXX XXXXXXXX -The term that is being reported is reporting inaccurately -This is not mine -please remove this inaccuracy from my report XXXX XXXX XXXXXXXX XXXX term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX XXXX XXXX XXXXXXXX -The term that is being reported is reporting inaccurately-This is not mine -please remove this inaccuracy from my report XXXX XXXX XXXX XXXX term that is being reported is reporting inaccurately -This is authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX -This inquiry was not authorized -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
Incorrect Address - XXXX XXXX XXXX, XXXX, CA, XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
Incorrect Address - XXXX XXXX, XXXX, CA, XXXX - Delete this item immediately. It is a public record that can not be verified and is incorrect. 
EMPLOYER - XXXX XXXX- Delete this item immediately. It is a public record that can not be verified and is incorrect. 
EMPLOYER - XXXX XXXXXXXX XXXX XXXX Delete this item immediately. It is a public record that can not be verified and is incorrect.

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