Consumer complaint received 2025-04-07 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: MS

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 XXXX U.S. CXXXXXXXX XXXXb ( 2 ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. CXXXXXXXX XXXX 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 XXXX U.S. CXXXX XXXX, 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 XXXX U.S. CXXXX XXXX, 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. 
Please investigate and take a look at these accounts : XXXX XXXX - XXXX - Under XXXX USC XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX - XXXX - Under XXXX USC XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX - XXXX - This account was originally opened as a joint/authorized user account. However, I am no longer associated with the account and do not have any financial responsibility for it. I kindly request that you update my credit report accordingly and remove this account from my credit profile. 
XXXX - XXXX - Under XXXX USC XXXXB this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX - XXXX - Under XXXX USC XXXXB this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX - XXXX - XXXX USC XXXXg Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX - XXXX - XXXX USC XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX - XXXX - XXXX USC XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX XXXX XXXX - XXXX - XXXX USC XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX - XXXX - XXXX XXXX XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX - XXXX - XXXX USC XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX - XXXX - XXXX USC XXXX Validation of debts, the debt collector must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
XXXX - XX/XX/XXXX - Unless verified with my signature being affixed on any document confirming authorization, I request that this be removed from my credit file. 
Incorrect Name - XXXX XXXX XXXX- Please remove it from my credit report Incorrect Name - XXXX, XXXX, XXXX - Please remove it from my credit report Incorrect DOB - XX/XX/XXXX - Please remove it from my credit report Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX - Please remove it from my credit report Incorrect Address - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Please remove it from my credit report EMPLOYER - XXXX XXXX- Please remove it from my credit report

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