Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW.

Please block and remove all information from my credit report and send me an updated copy of my credit report.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences.

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.

Please make all listed below update or deleted in my credit report!

1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

6. Auto loan account In Violation under 15 U.S. Code 1605 finance charge XXXX Account Number : XXXX Update this Auto loan late payment history to PAID ON TIME Immediately as agreed. 15U.S. Code 1605 finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Update account by removing all late payments along with showing paid on time. 

8. Account Violated 15 USC 1692 ( g ) Failing to comply Report any evidence to this disputed account so DELETE THIS ACCOUNT IMMEDIATELY as per 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX DELETE THIS ACCOUNT IMMEDIATELY in Compliance of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

11. This account is being reported as a loss yet there still holds a balance. and company is continuing to attempt to collect on this alleged debt while two companies can not own the same debt clearly this account in violation Under 15 U.S. Code 1681e ( b ) and XXXX XXXX XXXX Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report listed above stating Personal information is Incorrect such as Previous Address ( es ) Also Known As : Employers : As I now confirmed not mine and dont want to be in my credit report as it is in Violation FDCPA Section 807 Violation Misleading False Reporting and Must be deleted Immediately!.

In official As I always declare, below is my Only Accurate and Correct Personal information that should be in my credit report.

anything that is not the same words or letters for what is listed highlight in green color below as my Personal information of my credit report as per the FCRA it must be deleted in my credit report immediately! 

Below is My only Correct Personal information as follows : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX Date of Birth : Date of Birth : XX/XX/year> Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure This agency is in violation of 15 U.S.C. 1692G as they failed to notify me in writing five days prior, as mandated. As the original creditor, only I possess the authority to validate this debt, which I hereby refuse to do. Consequently, the following accounts must be expunged from my report.

I hereby demand the immediate removal of this item from my credit report to avoid legal repercussions. Furthermore, I am lodging separate complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please act accordingly.

Please take note that you have 30 days, as outlined in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to carry out this investigation. Additionally, I request a description of the procedure employed to ascertain the accuracy and completeness of the information, to be furnished within five days following the conclusion of your reinvestigation. I am diligently keeping track of your actions, including your verification method. I explicitly withhold consent for e-Oscar or any automated verification mechanisms. Failure to provide a satisfactory response within 30 days of receiving this certified letter may prompt legal action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely 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