Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX Equifax XXXX XXXX XXXX  XXXX GA XXXX To whom it may concern, I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( XXXX XXXX XXXX ), they may be liable for false reporting. XXXXXXXX XXXX XXXX XXXXXXXX - Validate/Inaccurate reported late payments XXXX XXXX XXXXXXXX - Validate/Inaccurate reported late payments- Under 15 U.S code 1666b - Timing of payments you are not allowed to report any late payments to my credit report without showing proof that you have sent a notice statement 30 days before a late payment. I was never late on this account nor was there any statement sent to me. Please provide proper documentation showing you followed this procedure fully and forward this proof to my address. If you can not provide this information please update this payment to positive immediately. XXXX XXXX XXXX - Please start your investigation and verify this at once. - Please verify that this is reporting accurately. XXXX XXXX XXXX XXXX XXXX XXXX Validate/Inaccurate reported late payments- Under 15 U.S code 1666b - Timing of payments you are not allowed to report any late payments to my credit report without showing proof that you have sent a notice statement 30 days before a late payment. I was never late on this account nor was there any statement sent to me. Please provide proper. documentation showing you followed this procedure fully and forward this proof to my address. If you can not provide this information please update this payment to positive immediately. XXXXXXXX XXXX XXXX XXXX  - Validate/Inaccurate reported late payments- Under 15 U.S code 1666b - Timing of payments you are not allowed to report any late payments to my credit report without showing proof that you have sent a notice statement 30 days before a late payment. I was never late on this account nor was there any statement sent to me. Please provide proper documentation showing you followed this procedure fully and forward this proof to my address. If you can not provide this information please update this payment to positive immediately. XXXX - XXXX - 1681q. Obtaining information under false pretenses - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please remove this account from my credit report. XXXX XXXX XXXX XXXX XXXX - Under 15 USC g. Validation of debts - I request validation under U.S code g. Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp. No. ( XXXX XXXX XXXX ), you may be liable for your willful non compliance. I request that the debt collector provide proof of this alleged debt. I request to be provided with specifically the original application, contract, note or other instrument bearing mt signature. In addition any signed contract between me and said Debt collector and the original creditor, notarized and sworn under penatly and perjury granting this debt collector ability to collect this alleged debt. Failing that the items must be deleted from the report as soon as possible. XXXX XXXX - XXXX - 1681q. Obtaining information under false pretenses - I request validation under U.S code g. Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp. No. ( XXXX XXXX XXXX ), you may be liable for your willful non compliance. I request that the debt collector provide proof of this alleged debt. I request to be provided with specifically the original application, contract, note or other instrument bearing mt signature. In addition any signed contract between me and said Debt collector and the original creditor, notarized and sworn under penatly and perjury granting this debt collector ability to collect this alleged debt. Failing that the items must be deleted from the report as soon as possible. XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXX XXXX Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXX  - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXX XXXX Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX XXXX - XX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXXXXXX XXXX XXXXXX/XX/XXXX - Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX Verify that the following inquiry was authorized? - This inquiry is inaccurate and not authorized by me as a consumer so it should not be reporting on my credit report. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation .. thank you

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