Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending numerous disputes to XXXX, EXPERIAN AND XXXX since XX/XX/XXXX, putting them on notice of my identity being stolen. They have not recodified the situation by blocking accounts that came about from identity theft. 15 usc 1681 C-2 Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. 
Violation of Acquiring Location Information Regulations : Debt collectors contacted third-party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations that prohibit disclosing debt information to third parties. 
Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. 
Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency. 



Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ). 



I, XXXX XXXX, demand that you take immediate action to address these violations. I request the following actions : 1. Unauthorized inquiry. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 

2. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' 3. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 4. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 5. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 6. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 7. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 8. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 9. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 10. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX  Account Number : XXXX Please update the status of this account to " paid on time. '' 11. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' XXXX. Under XXXX XXXX XXXX this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 13. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 14. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 15. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 16. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 17. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 18. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 19. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' 20. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' Remove all fraudulent and inaccurate accounts from my credit report. 


Block any information resulting from identity theft, as required by FCRA. 
included is a copy of my id ssn and proof of address

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