Consumer complaint received 2024-08-15 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: WA

Complaint narrative:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY! POTENTIAL LAWSUITS LIST COMING! 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! XXXXXXXX XXXX XXXXXXXX Inquiry on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Over 2 years XXXX Expired EXPERIAN, XXXX, and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX returned to sender XXXX closed on XX/XX/XXXX EXPERIAN XXXX XXXX XXXX and XXXX XXXX XXXX closed on XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXX XXXX closed XXXX XX/XX/XXXX EXPERIAN, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX EXPERIAN XXXX XXXX, and XXXX XXXX XXXX Utilization removed EXPERIAN, XXXX, and XXXX XXXX XXXX Utilization removed EXPERIAN XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Utilization removed YOU HAVE ALREADY BEEN ASKED TO REMOVE OTHER ITEMS BEFORE, AND INSTEAD YOU DECIDED TO FLOOD IT WITH INQUIRIES AND DISPUTES, YOU ARE ALREADY IN VIOLATION!!! DELETE THESE ACCOUNTS, INQUIRIES AND DISPUTES and any Late PAYMENTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! THIS THE SECOND TIME THEY'VE BEEN ASKED TO REMOVE ALL NEGATIVE REMARKS FROM CREDIT REPORT. PLEASE REMOVE NOW!!

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