Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXXXXXX XXXX XXXX-VERIFIED AS REPORTED DEPT OF ED / XXXX-VERIFIED AS REPORTED 2 ) PERSONIFY FINANCIAL-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX CREDIT-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records. XXXX XXXX XXXX-DELETED XXXX-DELETED XXXXXXXX XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Inquiry - DELETED BUT XXXX and EXPERIAN FAILED TO COMPLY XXXX now how can one credit reporting agency agree to delete the said accounts yet the other 2 ignore this?? I demand that the following accounts be deleted on Experian and XXXX : XXXX  XXXX XXXX, XXXX. XXXX {$18000.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$260.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$6500.00} in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand these accounts be deleted from my consumer 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